[UrbanPat]

Yes, that's the whole problem. I'm tired of paying for other people's airline miles, cashback, etc. This is an inefficiency built into the payment system, and it harms small businesses and lower-income people the most. I try to avoid using my credit card out of principle, because I don't like charging merchants more.

I appreciate that Dwolla is trying to remove this inefficiency from the system. Mass conversion to a more efficient system would, eventually, mean cheaper prices for everyone.