Its so simple they make it hard, because they don't want you to play.
“It's elementary, my dear Watson.” - Sherlock Holmes
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I bought an "Ultimate Game Card" from my local 7/11 store (also sold at Best Buy, Game Stop, Wal-Mart, etc.). I was able to use that card to buy Crysta (which is still sitting in my account).
While certainly not as easy as just entering a Credit Card, it is much safer from Identity Theft and I appreciate that. The instructions for buying Crysta using this method left alot to be desired and I pretty much had to figure it out myself, but it did work. The process just needs to be streamlined and explained better.
The Crysta design is kind of dumb but it just mimics the way Xbox and PSN store works where you buy money or funds to use for game time, but originally they was going to have other things you could use Crysta on.
Crysta is horrible. Just in general, horrible.
And the stupid thing is, there's really no billing system for XIV that doesn't use Crysta. You can use Click and Buy to buy Crysta, or Paypal to buy Crysta (except I can't because that option is not on my account) or you can just outright buy Crysta.
Even if this game EVER gets up to par, the billing system alone is enough to kill off any new interest. Charge people the EXACT AMOUNT they owe you, how freaking hard is that, seriously?
UGH....
I do agree with you to some extent but it could be worse.... somehow...
I think the billing system here is something that SE really needs to work out if they ever want this game to be successful (well, one of many things). I don't honestly have a problem with Crysta, myself, and I'm cool with using Paypal and all that, but most people probably aren't going to want to mess around with a convoluted billing system.
They need to simply directly accept credit cards and Paypal without these unnecessary third parties. Crysta can still be an option if it's meant for other games, as well.
The billing system is absolutely horrible and the fact SE is not using the free time to address the issue is just going to turn off ppl from being subscribers