A 20% platform fee is outrageously high, especially in the crypto space. If this disuades people from using the platform (which I believe it will), you may want to lower the platform fee, but you can't because it's hardcoded and MembershipFactoryisn't upgradeable.
Platform fee is hardcoded and MembershipFactory isn't upgradeable:
You can't update platform fee to something lower, even if you need to for business reasons.
Manual Review
Make platform fee a storage variable and create a setter function that allows admin to update it.
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