They should have focused on the merchant benefit and not the customer side of this launch. This change in my eyes is specifically to address the concerns of m

They should have focused on the merchant benefit and not the customer side of this launch. This change in my eyes is specifically to address the concerns of merchants that will not use Dwolla with the delayed payment system in place now. I give them credit for trying to solve a merchant faith problem with a customer credit line. Someone that cant wait 2-3 days for money to be deposited in their account will probably not be the kind of person you would lend 500 bucks too, hence the 3 dollar fee, just sayin.