Additionally, I'll bet that none of them have experienced the special horror of maintaining a traditional merchant account and dealing with that kind of inflexi

Additionally, I'll bet that none of them have experienced the special horror of maintaining a traditional merchant account and dealing with that kind of inflexibility. That's not even bringing PCI compliance issues into it. Believe me there's a reason PayPal got as popular as they are. The alternatives (minus the new services like Stripe) are far, far worse.