I'll for sure use Crysta when the time comes, 85+ different payment options such as Paypal and Paysafecard (which I trust) make the decision easy for me.
I don't really get people complaining about buying a "useless currency"(Crysta), because it's not useless if you can use it to pay your FFXIV account with?

On the other hand, I'd never use C&B, heard too much bad stuff about it.
I don't want an option where I can give my credit card information directly to SE either, because that would be even worse.
What I think is really needed is that Crysta becomes a payment option ANYONE can use!
I already heard from many, many people that they only have C&B as an option because of the country they live in.
If it's not possible to give everyone Crysta, at least give them a less shady third company like Paypal >,>