I don't know many people who want to cater to a market segment that will hate them as soon as they start needing to find ways to make payroll. So therefore the

I don't know many people who want to cater to a market segment that will hate them as soon as they start needing to find ways to make payroll. So therefore the multi-billion dollar question is, what is it about the ways that companies are making payroll from these services that annoys people and are there any other ways of making these kinds of services pay for themselves that are less intrusive and annoying. Is an extremely difficult problem, admittedly, and just solving it isn't enough, it would also have to be implemented very well.