You don't have to make an account. But it's still annoying that you have to go through an intermediary whose only raison d'être is that banks still suck. When t

You don't have to make an account. But it's still annoying that you have to go through an intermediary whose only raison d'être is that banks still suck. When there is a much more elegant and federated payment protocol out there and in use outside of the US.