I think it's safe to say that they, quite reasonably, figured out that the former is a risk-infested nightmare. Saying "hey, that actually cost $11, Bob!" is a

I think it's safe to say that they, quite reasonably, figured out that the former is a risk-infested nightmare. Saying "hey, that actually cost $11, Bob!" is a minor thing in an interpersonal relationship, but when it has the potential to trigger a fraud investigation (think ex-girlfriend marking all 'casual' transactions as fraud after a breakup) you invite chaos. So yes, they switched on that, but it's really not hard to see why. I wouldn't want to use it for personal transactions. (In Germany, we mostly use bank wire transfers for that.)