Hi Carolyn,
That sounds like a very cool idea! You are correct that you would need Community Events if you wanted to have users submit events for your calendar. At this time, there is not a built-in way to charge people for events submission. I’d love have you add your votes to our UserVoice thread for that feature- that helps get it on our radar for future builds.
Although this feature is not built-in, you may be able to do it with some customizing. If you’d like to explore that option, I’d be happy to recommend some developers.
Best,
Leah