I'll try to help. But, to do that, I feel I have to point out to you that you might be getting a little unrealistic.
You seem to be wanting everyone to get up and contribute during the time together (the service) I just don't think that is what the Bible spoke about, or what happened... nor what should (or could reasonably happen) today.
The average congregation throughout the USA is 70 people . Now, that is a totally unreasonable number for a house church. And to divide that number up into sizes that could fit into our average homes (10 or 15 people each at several houses) leaves us with some serious problems.
First, the effectiveness of really reaching and helping the poor is drastically diminished. Few homes have the kitchen facilities many church buildings have. (Or even the bathrooms LOL)
Second, is the parking problem. Do you know that it is actually illegal in many municipalities, to not only assemble people like that on an ongoing scheduled (and it would HAVE to be regularly scheduled) basis, let alone have the streets filled with cars? Yes, it really is. We got the cops called on us for having regular Bible studies in a residential location... and the court upheld the complaint.
Then, you are also heaping a tremendous burden on probably only one couple with a larger house. The 1st Century church ate together... now, you have placed that setup and preparation on a very limited number of people who will have to keep doing this over and over and over again, forever.
Fourth, although we would all like to think that we are great orators....... there just aren't that many people who can really teach others. That is why we hire (pay) qualified people to spend huge amounts of time researching and preparing lessons. (as well as the other things they do)
Fifth, I have heard you say that everyone should get up and have their say. Well, since I have only blushed on why I feel house churches won't work today, I see us all (200 of us a lot of times) trying to talk during the same service. Giving only 5 minutes to each person, (and it is TOUGH to limit some people to only 5 minutes! LOL) that would come to 16 hours of non-stop individual talking.
And, since I honestly see a dedicated building for all to meet as the most realistic answer.... someone has to buy that land and building (or rent it), and it has to be paid for with mortgage (if there is one), taxes if need be, insurances, lawn work, A/C, water, trash pick-up, yearly city permits , if applicable, repairs and upkeep, cleaning and supplies (TP, hand towels, soap, light bulbs, etc.) office equipment, copy supplies, children's needs and supplies, phone, internet, computers, postage, sound equipment, an "on-hand" benevolent fund for emergencies in the community..... and the list can go on and on.
And, although you see no need for it, paying a secretary for handling all this household coordination is almost a necessity... unless we are going to be skin-flints, and expect one person to dedicate their lives to waiting on us with all this work.
And, as has been said, you demonstrate a total lack of understanding the enormous workload a "Pastor" carries. To refuse to compensate him is being just plain, "cheap."