Well said - I completely agree. Anytime I am speaking to a web development customer that wants to accept payments online, I give them the usual rant about the dangers of PayPal. It seems cheap and simple, but what's the different if they can freeze your account and leave your funds unavailable for your business? There's a cool start-up at Duke University that is developing a new way to make payments without cash that could evolve into a powerful payment system: https://www.facebook.com/NoochMoney