The point was they have a habit of hinting at changes that take forever to implement. Things are often stated as in "future updates" that seem to never show up.
And no, reimplementing the payment changes was not as big a deal as I think you think it was. The framework was already in place--more than half the hard work was already done (rerference the JP site was live with the framework from day 1). I used to work for a company that did this very thing, and once the details of the framework were in place, and paperwork processed for the CC processor, it was done inside of a week. Granted, there may have been delays shopping for a new provider and setting up the contracts....but certainly not something that should have taken months to take care of. Issues with what they were doing dated back roughly a YEAR prior to implementation (reference FFXIV crapstorm over C&B in 2010), and the whole issue became a hot topic again in the scope of FFXI roughly 3 months prior to having it thrust down our throats.
SE had ample time (roughly a year or more to prepare) to take care of this, they just dragged their feet as usual.
And that's the point. They are KNOWN to drag their feet on nearly everything. Even serious bugfixes can sometimes take a month or more to tweak, while other things considered "game changing" get tweaked in a couple weeks. They are perfectly capable of doing things faster....just for whatever reason, they do not. If they don't give a specific time frame for an implementation, then it should not be expected prior to them announcing such a time frame for implementation--it's still an open issue whose fate is still "to be determined" until they actually commit to completion. To expect anything better than past activity was in short, naivety (sorry if that sounds "snarky", but I meant that in the literal sense of "lacking in experience or understanding").