$90 per month to monitor accounts and not pull an ach when they go negative etc probably saves merchant's more than $90 per month in NSF Fees (on average).

On top of that-- If merchant's know their accounts are being monitored it'll probably help them in the long rung.
Less likely to blow 5k in a casino over the weekend or take dumb 30 day deals-- or at least feel like the people who funded them know what's going on with their lives.

People seem to consistently forget that even your best merchants (with a few exceptions) are not the most responsible with their cash. That's why we all auto pull frequently to begin with!

For the most part I think it's safe to say that it's not the Funders causing the majority of the problems in this industry.