People like to complain about PayPal and other online payment methods. People also like to complain about Bill Gates. But they will build a shrine to the guy if he manages to slash credit card fees by pioneering micropayments on the web. Because he's not gunning just to make PayPal obsolete; he's going for the big dogs, too: MasterCard and Visa.
One click micropayments with miniscule fees might make a lot of little businesses thrive on the web, cadging a few pennies for content from a mass audience. After that, Bill, there's a lot of money in them thar plastic cards.