[GrinningFool]

For me personally it would - though I don't know to what extent my concern is one for a broader audience.

There is still a matter of trust: you can say you're using a given provider, but I can't verify it. It happens that I believe that you actually are - but unfortunately it really is a judgement call that has to be made for each service provider that I want to sign up with.

I think it's a larger issue, but the types of solutions that would help have largely been rejected by the market place: centralized storage of payment data with a few trusted providers.

I have some good (and I think relatively new) ideas on how to fix it, but it would require a fairly massive buy-in from the industry in order to work. So essentially, DoA.