&gt;Then why have all attempts at commercializing micro-payments failed? I assert that MP constitutes an inherently different market realm, with unique problems and incentives that demand innovative solutions, empowering payment-for-content by individuals surfing the web.<p>There is a pretty simple reason for this: All the embedded players (credit card processors, and banks) don&#x27;t have the desire to deal with the extremely high volume and low (near zero) margin business this would create for them.<p>Institutions who produce content aren&#x27;t high on MOST users list of places to give money to when there are plenty of ways to get said product for FREE... You want me to give you $5 today so I can spend $0.03 of it on some article. Maybe I forget about it (good for you) or you loose it (bad for me) and then I have to fight to get it fixed (making this a money loosing proposition on both sides).<p>The greed and avarice, of content producers and advertisers, destroyed what could have been a workable solution (ads), I have no faith that any micropayment platform or what ever else you can cook up is going to work unless it puts USERS FIRST.