I wasn't trying to rip it apart. I've just found that trying to get setup to receive payments (of any type or method) on the internet can become a real shell game. With all the ones that try to trick you into expensive contracts, etc. some may even liken it to "Three Card Monty".
Personally, I like to see the numbers right out there. No hidden costs, etc. Deal straight with me, or I'm outta there.
I was just pointing out the real bottom line for whoever might be looking into their services.