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User A: I want $5 worth of <stupid thing> for my facebook profile <stupid thing>-r-us: Here it is, you owe $5 Kwedit User B : <Sign Up> User A : Pass the Duck to User B User B : <disappear>

7/11 scanning is a nice idea, I don't care for the name

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People who go to that amount of trouble to not pay probably wouldn't have bought anything directly anyway. If nothing else they're advertising <stupid thing> to their friends for free.

I've often heard this argument regarding security and I always have trouble with it. It's really not that much trouble to scam someone and it's actually rather fun... I think people often operate in a kind of need based mode, they get it in their head they want X and so they go about going to get it, probably trying free routes before pay ones. The only exception to this is in the enterprise scenario where there could be a penalty for getting caught at something.

I think obligation has to be actually paid up by the receiver for the transfer to be effective.

They are not that stupid.

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