Yeah, I think a lot of people are better off just paying 3.5% more but with the fraud protection. However, I still think this will be a huge improvement for a l

Yeah, I think a lot of people are better off just paying 3.5% more but with the fraud protection. However, I still think this will be a huge improvement for a lot of other stuff like moving money between accounts at different banks or paying for large purchases which are guarded by a proper contract such as paying rent, buying a car, etc.