Just stopping by to throw my name in the support hat; but when I do that I like to leave comments so the likes don't just fade away.

I thought Crysta was a great idea until I saw how the specifics worked; if the motivation here truly is to avoid the processing fee of being able to use a credit card, that's ludicrous. No matter how you slice it, there does need to be some user-friendly reform to the entirety of the payment system; interface and options both.