@eightcylinders I pray you; Is that not how most money exchanges hands? "man in middle" being Visa, Mastercard, Amex, Discover, Chase, IBLC, etc. When paypal launched I was unaware of a merchant specific platform. Outside the companies before it, Confinity and X.com

I would certainly say Ebay forced paypal on me as much as GAW is forcing XPY on you. Use it if you want the service, don't if you don't. Have you ready either of their terms of service lately? Its an atrocity. And whether XPY is the answer or not remains unseen. But it needs a chance so we can get away from banks taking 10% compounded yearly from all people of the world. Over 98% of the worlds wealth resides in the hands of less than 2% of the population. If it doesn't work, then we need to build on its successes and failures in the future to make a successful coin that will... I will try to be party to it as well.