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It also ignore the absolute elephant in the room - what does it mean to settle a payment in near real time and protect for fraud? (like how CC's work)

Payments its just "Stevey's Google Platforms Rant" but slanted towards payments:

Like anything else big and important in life, Accessibility has an evil twin who, jilted by the unbalanced affection displayed by their parents in their youth, has grown into an equally powerful Arch-Nemesis (yes, there's more than one nemesis to accessibility) named Security. And boy howdy are the two ever at odds.

https://gist.github.com/chitchcock/1281611



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