1. I don't have any pressing need to buy a product at such a low price point, and don't see any need to do this in the future.

2. My credit card works wonderfully, and if a retailer pisses me off, I'll phone them and it'll be reversed no questions asked.

3. Again, I (and most other consumers) already have a solution to buying something online that is almost perfect from my perspective. I have three of them in my wallet sitting with me at this very moment (actually, my wallet is a bit of a problem you could look into, especially in the summer).

I don't need paypal. I don't need pretend currency. I don't trust you to get anywhere near my actual bank account. I have several security options with my credit cards that I'm comfortable with.

I personally don't really care that it costs you x amount to take my credit card as a retailer. I've already factored in all your business costs into my evaluation of the price of your product. I also don't care that your employee demanded a raise last week, you need to buy a new computer or that rent is going up. These are your problems.

Again, do you understand that as a consumer, I view my credit cards as almost the ideal product to conduct business on the internet? You're trying to fix a problem that I just don't have by providing me with a solution that I just don't need.