like...total confusion... confusing article. confusing comments.... if it quacks like a duck, that it must be a.. paypal? or how are you guys different from p

like...total confusion... confusing article. confusing comments.... if it quacks like a duck, that it must be a.. paypal? or how are you guys different from paypal, again? something about third party developers....how are you going to atract 3rd-parties if I as a consumer after reading post and comments still do not understand what your service does, and what are the benefits...apart from privacy - this stuff is just plain pointless in this day and age....