Trust me, under these conditions I would never consider opening a Merchant account here when/if I decided to go commercial. It is obvious from the various posts that R'osity cares more about itself than either the Merchants (as evidenced by this and other ludicrous policies) and Consumers (as evidenced by the lack of support during copyright infringement cases). IM(NS)HO, R'osity is "policying" itself into non-existence. R'osity gets to keep 100% of the sales for a 45-76 day period, while gaining interest, and would not consider paying Merchants their fair share as if the payment was made on time as before? Smells of financial troubles to me, nevermind potentially illegal/improper business practices as well.