Danny Van den Berghe has some good ideas.

I'd add that, rather than having to deal with multiple accounts,
it'd be more straight-forward to allow the user to configure a 
certain threshhold to differentiate between payment types.

Taking the idea one step further, I wouldn't object if I could
add a second threshhold which requires even further authentication,
such as physical mail or a telephone call.  I'd be willing to 
agree to a US$10 charge for each payment authenticated in this
fashion.




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