1) See vbcredits.com - vBCustomizer will be available during april which does those things, and vBCommerce is available now free (which is an item shop)
2) There is a canspend permission which vBCommerce obeys, you can disable that or enable at will
3) Not for double posting and you can use the Download itemtype for vbcommerce to charge for attachments (see 1)
4) Yes
5) Yes
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