‘middlemen’ here implies someone holding custody of your funds before they are transferred to you and taking a cut on the received amount - both of which don’t come into play here.

An account on Switch can be registered in less than a minute and you are good to go, since it is not self-hosted - no effort is required.

Not exactly.

1. Switch doesn’t hold your funds, they go straight to your wallet
2. Switch is free for the 1st 10 payments per month, then the cost is $1 per payment or less (look at paid plans). Stripe costs 3-4% of each transaction. Switch does not use % of transaction value on billing.
3. Switch has no KYC
4. Switch account numbers are public handles like https://switch.to/pay/123456 (here 123456 is your account number) which anyone can access and make payments to.