This is clearly a valuable service that just makes sense. To me the only viable argument here is the age old Opt In versus Opt Out argument that the United Sta

This is clearly a valuable service that just makes sense. To me the only viable argument here is the age old Opt In versus Opt Out argument that the United States and Europe can never agree on. To me this makes perfect sense to be Opt Out. I would hazard a guess that 90% or more of consumers absolutely want their merchants to all keep going as expected when they for example lose their credit card on a trip and call to get a new one sent to them. Keep in mind that the average consumer (at least in my observation) saves ALL of their credit card information for easier purchases in the future, a practice that probably has a much smaller overlap with the traditional HN crowd.