I disagree with you here. As you stated earlier, the amount of funds being protected is usually out of proportion to the amount of effort required to register

I disagree with you here. As you stated earlier, the amount of funds being protected is usually out of proportion to the amount of effort required to register an organization, obtain an EIN and open a bank account. For groups that want the additional protection, we encourage them to setup a full fledged bank account. In the future, we are exploring ways to have our accounts in the name of organization tax IDs as well. For the most part, we are replacing cash and checks in personal bank accounts with a simple & transparent solution. We are a far better solution here, and are not trying to "obfuscate" anything.