Whilst i dont always agree with your sentiments, i absolutely...

Whilst i dont always agree with your sentiments, i absolutely appreciate your point of view as helps balances out the 'hype' and you need good and bad to make an informed decision..

However, i do completely agree with you in regards to the $2 PM fee... i dont pay $2 to order a pizza why would I pay $2 to pay my rent (which does't cost me $2 today)... yes, all the (very) 'Soft' benefits are nice... but just marketing hype to justify the $2 (IMHO).

Absolutely believe there is money to be made here... but they need to find a better way to generate income than the $2... it's too much friction and a barrier to entry... which is why the takeup is slow... it needs to be free, and find other opportunities for revenue... they are absolutely there... they need to test the market options quickly and cheaply (preto-typing) and the $$$ will come..

Still a Hold for me.. but hoping they will get in testing new things quickly... and find the magic lever. (it's there)

cheers.