[grouchyOldGuy]

I flat-out refuse to use PayPal for anything. I am reluctant to use my credit card except for shopping sites that have a decent track record of security. A small site with a Comodo certificate won't get my business. If HN used Amazon for payment, then I would consider it since I already have CC info on file there, it's no additional risk to me. Like some others have said here, I don't think it would do much (if any) good for this site. It won't deter trolls, at least not dedicated trolls. I think moderation is the only way to keep this from degrading to Reddit, then Digg, and lastly 4chan. Delete posts that don't conform to this site's goals and TOS. Ban users that violate TOS more than 'x' times. I think this site is pretty good at self-policing itself already. The tone is much more business-like and adult than any of the other techie news/social sites that I frequent.