> This does require some degree of effort in terms of implementation and accounting I feel like you're really downplaying what would be involved. It is a grea

> This does require some degree of effort in terms of implementation and accounting I feel like you're really downplaying what would be involved. It is a great suggestion, but the effort to manage and implement doesn't sound trivial. Personally, the few systems that exclusively use this model drive me nuts. Instead of just paying for what I want I have to add to this account, then pay for what I want. For the business owner, they now have to account for and secure new account balances. At a large scale (Starbucks has $1.6 billion [1]), you can likely cover any additional regulatory and accounting costs and also make money. On a small scale it can be a liability that costs more than it brings in. [1] https://mobile.twitter.com/jp_koning/status/1160387043790413824 https://mobile.twitter.com/jp_koning/status/1160387043790413...