Does anyone else find it a little disconcerting that Dwolla would effectively control the direct financial payments market if this did replace ACH? Obviously,

Does anyone else find it a little disconcerting that Dwolla would effectively control the direct financial payments market if this did replace ACH? Obviously, this is what Dwolla wants but the larger banks must be able to see it. They're the masters at playing angles like this. Sure it's free now, but what about when you're a monopoly?