I think the main thing that people get aggravated about are when people take there money and then dont respond. If you have an Emergency, ok I understand that but give me my money back then. Having an emergency explains why someone is not responding it doe not excuse it. With all the mobile devices in the world today it would take someone literally 15 seconds to send someone a refund. And its always the same people who have these "emergencys" and people see through that. Funny how the people with these "emergencys" are always available to accept payments. Never any emergencys when it comes time to collect payment huh?