How is you not checking your balance before a purchase in any way different than making sure you have enough money available through your current payment method

How is you not checking your balance before a purchase in any way different than making sure you have enough money available through your current payment method? Sounds like you really should be making a point that Dwolla needs to build confidence and adoption. If Dwolla could become or partner with a net bank that has FDIC deposit insurance, I would think that would seriously blow up their adoption rate. I haven't given it a good look recently, but that would make me feel more comfortable with using it; especially if they also partnered with a behemoth like Amazon or Google for payments. They need to make a marketing push as a way to screw Visa, MasterCard, Banks, etc and it's ability to push down prices through lower processing fees.