Some of your questions seem too ridiculous to respond to...BUT
"too advanced to understand": That is true for many people. I work for a major retail company as a cashier and some CANNOT even find the slot to put their "chip card" into...and then they take it out before the transaction is complete... YES, 'TOO ADVANCED' FOR SOME.
"sales people": OF COURSE sales people are needed. Who establishes the relationship between them and SMME? Who are the contacts? Who does the paperwork. I don't imagine this product with the customers it is focused on would work well being sold on a .com site.
"$50/card": The Card has a life of about 5 years. That's less than $1/month. As a premium card a profit can be made by the banks when charging a monthly fee....thus it becomes at least a NO COST item. Why would they or any institution turn down something with a zero cost/possible profit making item that would prevent fraud loss????
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