Thanks for bringing this up. I responded here: http://news.ycombinator.com/item?...

		npcomplete on March 7, 2013 \| parent \| context \| favorite \| on: Why are payment forms so complicated? Thanks for bringing this up. I responded here: http://news.ycombinator.com/item?id=5339604. There's no unique way of solving this and you have a pretty good suggestion