I have also had this idea (I think everyone who thinks about the problem space for > 30 minutes stumbles on the basic business model). Expanding your point: ba

I have also had this idea (I think everyone who thinks about the problem space for > 30 minutes stumbles on the basic business model). Expanding your point: banks haaaaate this kind of business model. They see it as a fertile breeding ground for chargebacks, which are very expensive to them.