Mm, I&#x27;m not speaking against it by any stretch, just to be clear. To be honest, I <i>like</i> the approach more - there&#x27;s a lot to be said for more pervasive trust in commerce between vendor and customer; it feels nicer to me.<p>Naturally there are related problems that one has to solve, but the major one (unintentionally extending credit to someone you shouldn&#x27;t have) is, I think, a lot less of an issue than commerce at large instinctively thinks.