It is easier to purchase $20 worth of "coins" once than it is to make small dollar purchases in dribs and drabs over time as small transactions are needed (eg 4

It is easier to purchase $20 worth of "coins" once than it is to make small dollar purchases in dribs and drabs over time as small transactions are needed (eg 40 transactions for 50c each). "coin" purchases can be done in any way that makes sense for a consumer including using credit cards, debit cards, bought at stores, gift cards, promotions from others (like how many places use airline miles) etc.