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.