Yeah, it's definitely a need based product no doubt. You don't pay these rates to kick around cash with no plan for it. It's turning into the credit card processing business. No barrier to entry, no education required, no special skills required, a brokerage on every corner. Any Joe with a few bucks and a desire to be the boss can open an office and stick some Craigslist rejects in cubes to smile and dial all day. Ugh...