In reply to Philip Cohen.

Read the manifesto. It completely falls apart on so many levels, that it's not even worth comment. Congrats on the +1 view though.

From your manifesto and posts, it's apparent that you have a decided ax to grind with PayPal. That kind of impartiality significantly negates your point-of-view due to bias. But good luck with that.

It's also apparent that you believe that MasterCard and Visa's digital wallet initiatives are the only way to go; effectively declaring those not supporting them to as wrongheaded. To this implication, I have only one thing to say: Market forces determine winners, not self-proclaimed pundits.

All the best.