Because it's important that we replace an anonymous cash-based system with a non-anonymous one.
(Yes, I know it's not that simple, and that it both could be done right and is providing a useful new set of functionality; I just don't trust such systems unless they're explicitly dsigned to be non-invasive, which they never are.)
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(Yes, I know it's not that simple, and that it both could be done right and is providing a useful new set of functionality; I just don't trust such systems unless they're explicitly dsigned to be non-invasive, which they never are.)