Overall, I like it and it's a great idea. But... Have you ever been a merchant accepting credit cards? So, that guy buys your couch for $300 (in the promo vide

Overall, I like it and it's a great idea. But... Have you ever been a merchant accepting credit cards? So, that guy buys your couch for $300 (in the promo video) and guess what, no $ gets deposited into your bank account. In the merchant world, that's called a chargeback. 99.9% of the consumers have no idea what this means...you don't get paid and it typically costs you additional fees. Merchant clearing companies ONLY provide an authorization and a money transfer service for their vig. This means, consumers (and businesses) have nobody working for them and no protection against the deadbeat or scammer. So, you can buy that 108" LCD TV on your AMEX, have it delivered to a friend's house, call the merchant back and claim you didn't receive it, and the merchant will get the chargeback since they can't prove you signed for it. Really.