[blumkvist]

>Which brings me back to my original point

Your original point holds true for amateurs - people without knowledge, connections and money. Pay the right people, the right amounts and you're good to go. Billing is incredibly complex thing, it's no surprise you see so many startups with very high valuations and a new one pops up every quarter. Those are just the very tip of the iceberg.

For some more lulz, google instabill and Daniel Tzvetkoff who processed billions of dollars for Pokerstars and Fulltilt.