What is actually is everyone's problem with Click and Buy? It seems like a generic paypal clone to me -- SE trusts them because they are already endorsed by a large number of top end businesses. They can't be *that* "shady" or else there would be a much, much larger outcry about them across the board.

Not saying they don't suck, just saying they can't be nearly as bad as everyone's making them out to be without getting any kind of negative articles out of a google search.