johnser - 7:54 am on Oct 10, 2012 (gmt 0)

what investment banks are involved?

Hmmm, the investment bankers are very close to Google.
Do you think their retail colleagues came up with this on their own? I don't

Google is only providing branding and marketing.

... to sole traders / individuals who don't already have a credit card?
They're the channel without which this wouldn't happen

I'm in the U.S. and my AdWords credit card has a $15K limit on it, way more than my regular credit card.

No offence intended Ember & I don't know you but maybe there's a reason your regular credit card doesn't have a higher limit?