I too won't bother to sign up for a $5 per year subscription to a website, as the pain of a potential credit card compromise is more than the $5/a subscription

I too won't bother to sign up for a $5 per year subscription to a website, as the pain of a potential credit card compromise is more than the $5/a subscription is worth. That's why I think it needs to go via a browser / ISP based system. Using credit cards is simply too much friction for micropayments. Give me one place to signup that covers the majority of websites that I use and it's a completely different value proposition.