Unfortunately, the reality is that small business and service providers will use this service because they won't realize that the long term implications of this

Unfortunately, the reality is that small business and service providers will use this service because they won't realize that the long term implications of this Amazon move will work against them. For them, everything is short term (swipe fees, reporting, etc.), and when we are talking about the "future them" that is "someone else" 10 years from now. This is really the prisoner's dilemma with thousands and thousands of prisoners. Alternatively, it is the frog inside the boiling water. The frog never jumps out of the water. It just dies.