This. People seem to assume that the target audience is too unsophisticated to understand anything beyond flat rates. Zidisha itself implies as much through the

This. People seem to assume that the target audience is too unsophisticated to understand anything beyond flat rates. Zidisha itself implies as much through their claim that flat rates are simpler to understand. In fact, flat rates are more confusing because they are misleading. So, not only is Zidisha joining in on this customary practice, they are promoting it. Instead, they should educate their clients, re-express competitive rates in terms of APR, etc. So, the net is that it does appear to be intentionally misleading, which is made no better by the fact that such misleading may be common practice in some parts of the world.