Absolutely, thanks for your post. But our company is not a startup anymore and we can afford to lose those 10K USD if things go wrong. Of course I would prefer not to, but sometimes you have to take some risks. We can't just launch some very unfinished product and hope for the best, we have to add some nice features to grab the attention of potential users.
But yes I agree, it's a lot of money for an MVP for such a service.