I agree with you but I know first hand that Google Checkout and PayPal offer a first tier of defense against it, you pay for it in the higher fees. For some peo

I agree with you but I know first hand that Google Checkout and PayPal offer a first tier of defense against it, you pay for it in the higher fees. For some people and depending on the state of their business, it's probably worth the time-savings, that's all I was really saying.