> All of those services accept credit cards. Because there would otherwise be too many people unwilling to give up their bank routing number. That's not actual

> All of those services accept credit cards. Because there would otherwise be too many people unwilling to give up their bank routing number. That's not actually true, they allow both ACH and debit cards. But either way it's irrelevant, revocation risk can simply be offset with a fee. The system doesn't suddenly stop working if you can only pass on 95% of the deposited amount. Or even 90%. Or 80%. If people want it, they'll use it anyways. The thing is they don't.