[tryitnow]

I've been wondering why I would use this and I think this comment hits the nail on the head.

But why would want to pay $3? Big payments are usually pretty well-timed and don't need to be "instant."

Hmmm, not sure where Dwolla is going with this, it seems to make more sense to laser focus on those who would find the most use for their product (big ticket buyers and sellers, not people buying a t-shirt on a whim).