I get what you're saying. I'd like to better understand what you meant by decreasing trust. I think social commerce is where things are headed and it's important that Dwolla is a part of it, but we need to find the best way to do/balance it. Can you email me at shane@dwolla.com and share your thoughts about things we've done that impacted trust? I'd be grateful. Trust is more important to us than...really anything.

Perhaps there's a way we can enable the social stuff that many Dwolla users ask us for in a way that doesn't bother the folks that don't want it. I thought we were doing a decent job of that now since everything is opt-in, but you might have ideas on how we can do it better. I'd love to hear them. Here's a crazy idea: literally one link in your settings that says "Turn on social junk" - if not toggled on, you don't see any of it.

I'd love to brainstorm stuff like that with folks that care enough to post comments like yours. Hope you email me.