[tppiotrowski]

I think there's a cost to taking money from thousands of people vs taking the money from an investor or advertiser.

First off there is tax compliance, if you want to be global it will cost a lot for accountants and lawyers that understand how this should work "anywhere" in the world.

Second, I know some people that will just cancel credit cards because they don't want to make the next recurring payment for a service. Coming after these people is not worth the effort but hurts the bottom line.

Third, you need to hire employees to look after customer accounts and billing if there are any questions.

I think there's other reasons and I know payment processors like Stripe and Square are attempting to make this seamless, but I'm guessing a single source of funding is still desirable.