We pay a fee to QB for secure payment processing for the protection of our customers and ourselves.  Is this pushdown to become complaint an admission that what we have been paying for is somehow not secure?  Many of us are never exposed to anyones payment information in any way.  Do we as users, somehow posses the ability to corrupt the QB payment platform and put peoples secure financial information at risk?  If not, then what in the world is this supposed to accomplish?  Security when using the QB payment platform?  I'm confused because I feel like I already signed up and pay for this service.