Could be... but there really aren't any post where people are complaining about it that don't have an issue. I see where people say they don't mind using C&B, or that they don't have any issues.. but everyone who has a genuine concern over this and is complaining have some type of issue with the payment plan than is effecting them. So since he said 'people' in general and didn't mention anything about understanding why people who did have issues are complaining, I took it as him wondering why any of us have an issue since he doesn't specify.