A lot of the complaints are that click and buy is the only direct debit/credit card payment (crysta is not, so not sure what that has to do with them).

Then you have the people who are in countries where they're not even able to buy crysta, even if they wanted to.

Then you have the fact that JP can buy crysta (or directly w/o click n buy) in exact amounts, where we're given amounts that don't add up with our payment.

For example, my $12.95, I'm paying $15/month every month just to have enough crysta until month 5. While it's the same amount, I don't want to have to pay more up front.