Sounds like a bunch of crap. Dwolla needs to take responsibility and not think they can pass the risk on to their merchants. They want to be the online equivalent to a cash transaction but only if there are no problems.
You can't state the following "When sending and receiving money, you will never share personal information with other users." and then expect the merchant to bear the risk as the merchant has no idea who they are doing a transaction with, Dwolla does.
RIP Dwolla