Pretty much everyone who buys things on the Internet has a Paypal account. You may as well say that the inconvenience of opening a bank account is too much bag

Pretty much everyone who buys things on the Internet has a Paypal account. You may as well say that the inconvenience of opening a bank account is too much baggage for people to use Paypal, except pretty much everyone who wants to use Paypal already has a bank account. You are correct that trying to get users to put CC details in to pay a "microtransaction" will put people off, but there are plenty of convenient (two - three click) payment processes that already have huge amounts of users.