Complaining loudly and often is only effective if it's likely to create a different outcome. PayPal isn't going to change their business practices (people have been complaining about them for years, hence my fatigue over it); there has been an opportunity in this market for at least this long; and authorize.net and other similar services are available to anyone that wants to spend a little bit of effort integrating their API.
That's the last I'll say about this topic, because it's a waste of time.
That's the last I'll say about this topic, because it's a waste of time.