Look at those numbers! And for those to say that Square is innovative...their reader was basically all they had back in the day. Now that everyone has created a Square clone, payment processing is a race to the bottom and all about brokering deals with large merchants and hope that the banks and processing networks don&#x27;t eat your lunch.<p>Throw in all the regulatory hassle of dealing with money and its transfer, as well as liability for fraud, and competing in an industry as exciting as refrigerators...