This issue would be solved if SE would allow us to use our Steam or PSN wallets to pay. Just take it out of our wallets at once so we don't need to worry. IE: Pay for 6 months and that money would be taken from your wallet and you don't have to worry about the sub for those 6 months. This way, people can use cash to buy Steam/PSN cards without having to use or need a credit card. I just don't know how that would work between SE and Steam/PSN (taking money from the wallets, and if those services would want a cut).