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I have to agree. To me, it seems naive not to expect problems when mixing business and personal banking (corporate veil: pierced), not having the correct paperwork available, using not-on-file email addresses, etc.

If PayPal or a bank didn't insist on these strictures, imagine the outrage when someone's accounts are cleaned out by some fraudster with flimsy, half-good credentials.

Especially when traveling (especially to Africa!) you have to arrange things carefully in advance. Maybe someday things will be smoother, but it's still messy in 2009.

Hackers: Learn to hack your finances, too.

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