The industry moved to advertising because it works. That's really overly simplistic. It's a complex system and to assume that its the best system (as Mike Hea

The industry moved to advertising because it works. That's really overly simplistic. It's a complex system and to assume that its the best system (as Mike Hearn stated) is to ignore the fact that there are competing interests at work and the ones who value privacy have significantly less clout than the ones that don't. PayPal are not a monopoly, by the way. That's just wordplay. Paypal has not faced significant competitive pressure for over a decade, if ever.