my stab at your' questions
A) if you read the blogs, according to Qtraxer, they are ironing out some technical issues. That would be for the soft launch. My perception is the money issues are for the hard launch. With so many countries to cover, I assume money will be an ongoing issue, but not necessarily a major problem. For question B), I never read the spiralfrog blog, but it was probably in their' best interest not to kick a horse while it is down. Besides, SF's demise could happen to anyone, including Qtrax, so best not to jinx it.