Sure, it must be the billing processors fault. That makes sense.
No way it's due to all of the fucking assholes giving everything the fuck away for free, and attempting to "compete" by making even MORE tube-style sites, to give away more free stuff, in return for getting more freeloader traffic, because clearly THAT makes sense.
Must be those damned billing processors, who must be getting rich by... eh.... uhmmmm... uhhhh... scrubbing out potential sales for themselves... yeah, that's the ticket!
Carry on...
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