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Because an extra layer of protection does bring me a piece of mind. Epass only kept Mallick's money in FDIC bank, the rest of us offshore. Please note that I never think you guys will do something that will cause the bank or card to go collapse. I'm more worry with other card services that Choice also issue. What we don't know about them such as what the purpose of their operation like gambling. If MC decided to take away card from Choice due to one of these illegal card operator then that will affect paxum as well.
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I am pretty sure that the Bank is not doing anything to jeopardize their relationship with MC. If they allow gambling, then they can do it legally. Also we are here for the long term and learned the lesson from Epassporte. We will be having multiple banking relationships to make sure that if something happens beyond our control, we can quickly replace the cards to our webmasters and compensate the loss with our own funds. I am actually very surprised that Epassporte didn't have a back up solution in place and just let a successful business collapse.