Mm, I'm not speaking against it by any stretch, just to be clear. To be honest, I like the approach more - there's a lot to be said for more pervasive trust in

Mm, I'm not speaking against it by any stretch, just to be clear. To be honest, I like the approach more - there's a lot to be said for more pervasive trust in commerce between vendor and customer; it feels nicer to me. Naturally there are related problems that one has to solve, but the major one (unintentionally extending credit to someone you shouldn't have) is, I think, a lot less of an issue than commerce at large instinctively thinks.