Agree. I think that’s a very glaring omission in the original argument and one can interpret that as a simple misunderstanding or purposeful omission to misrepresent the totality of what comprises the cost to present a biased argument for more favorable terms.
Out of sight, out of mind- and I could build it in a weekend.
But aside from that, the risk of payments is not intuitive.
We regularly see threads on Hacker News where people pile on PayPal for 'seizing' the money of an entrepreneur with a business model that involves collecting payments up front and then delivering their good or service at a later date.
Unless you've worked in the space, or read the fine print of the agreements, it's easy to get upset about that.
