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I don't disagree, but remember the lesson of https://news.ycombinator.com/item?id=9224 -- historically, people have been willing to pay for convenience.

I would argue that my proposed flow is far more convenient. I don’t have to sign up, enter payment details and I can interface in plain English.

Many people are not as skilled as you. No pun intended.

Those dropbox guys might have been onto something