That's definitely an option, but from a usability standpoint for business owners it's a nightmare (as they have to keep track of many things already). Seems easy enough, user study showed it was a pain point.
I agree current implementation isn't exactly ideal, but we'll probably find a good compromise soon.
Definitely agree that it'd be a nightmare for small business owners. Although this implementation does seem relatively easy to game it's a starting point. When it gets to selling to small businesses, simplicity of use is pretty damn important.