Why I'm going back to capturing credit cards up front

As a business you might give someone a 100% money back guarantee. But the same business would never go to someone and say "by the way you haven't complained are you sure you are 100% satisfied? If not let me know and I'll give you your money back!" What do you think would happen then?

(The above is a bit of an extreme example to make a point.)

Yup. A bunch of my users have expressed the same sentiment. (I offer a fairly hefty discount for people who want to pre-pay, but I certainly understand that is a very different sort of thing.)

That's why I think it needs to be an option, selectable by the user. I think it's especially important to have the 'only keep it if I take positive action' for trials, but I think it's good policy to give everyone the option all the time.

>Provided...that the service had an easy and obvious way to cancel when I wanted to.

Yeah, also very important. Right now my process for that is "email us, we'll confirm with the email on file" which is... pretty bad. But I think the badness is somewhat ameliorated by my default billing method (e.g. if you just forget about the domain, it gets turned off and I don't get paid for any time that elapsed between when your account expired and I shut you off.) But it's still pretty bad.

That, and risk tolerance. You could just as easily call me a coward. Especially when it comes to taxes; There are few mistakes I can make that I can't get out of through bankruptcy. Screwing up my taxes is one of those mistakes. (and I'm in a situation where my revenue, but not my profit, is fairly significant. So obviously, if a substantial portion of my revenues are ruled profits, I'm... in trouble.)

It's also, I'm given to understand, important to maintain a 'good faith effort' to pay the taxes you owe... my understanding is that has a lot to do with what happens after you are audited. If they think you intended to defraud them, that's criminal. If you just made a mistake, well, you've still gotta pay it back plus penalties, but you aren't getting a criminal record.

>You strike me as being really honest by the way simply because (using my own ethics) you do things that I don't do more in the direction of being transparent and to the benefit of your customers at your own expense.

That is the goal I aspire to... I don't always live up to those standards. Usually my failures can be attributed to (or framed as) incompetence rather than dishonesty, but... that can be difficult to determine externally. I personally see dishonesty as way worse than incompetence, even when the effect is the same, though I acknowledge and have a hard time arguing with the argument that the effect is what matters. I actually have some conflicts here because I /know/ I'm overconfident about how quickly I can get something done... but by how much? it varies a lot. Does this mean I shouldn't take jobs? I've chosen to take jobs. I pad my estimates a lot (like 2x) to cover the uncertainty, but sometimes that's still not enough. (and sometimes, it's way too much) I personally see that as a little bit dishonest. But, I don't think it's entirely unreasonable to re-frame it as incompetence, which is easier for me to swallow.

A good way, I think, for me to get around this is to take more 'pay upon completion' type projects. If I make it? great. If I don't? I don't get paid. I'd feel pretty good about that. Unfortunately, most of my good-paying contacts want to go hourly; all the per-job offers I've gotten have been... much less remunerative, for any reasonable estimate of how long the project would take.

I'm not entirely sure that a focus on honesty and transparency is entirely 'at my own expense,' though; It could also be seen as me trying to turn one of my weaknesses into a strength.

I'm sure you can get ahead by pushing that line if you are good at it... but because my line is so, for lack of a better word, conservative, once I step over my line... I have a hard time seeing where other people would set their line. I suspect (partially supported by some tentative exploration when I was younger) that I'd be bad at pushing that line. Worse-off than if I was too conservative.

I don't really see the line between the normal schmoozing and quid pro quo of enterprise sales and the unacceptable kinds of kickbacks. Pushing that line is... difficult; there's a sea of cultural norms that don't make any sense at all to me, and knowing how to give the acceptable gifts and not offer the unacceptable kicbacks is essential to enterprise sales. If you do it improperly, well, everyone sees you as very unethical, and your behavior can easily be seen as criminal. So again, here is both self-knowledge (that where other people draw that line makes no sense to me, so I can't predict where that line would be) and cowardice, in that I don't want to 'guess and check' where the consequences to being wrong are so high.

But yeah, a lot of it is also just what makes me, perhaps irrationally, feel good. I can make a pretty good living as an individual contributor, and my financial needs are small. I

A good example of how it is just irrational good feelings is that I'm mostly okay working for body shops and having someone else do all that shady shit. As long as I do my job, I feel pretty okay. I'd class this as the same variety of hypocrisy as eating meat but being unwilling to kill animals yourself.

The time to pull a different card out of a different wallet is seconds. The time and tedium to re-enter your credit card every place you want to make a payment is greater. You should have backup bank accounts and credit cards anyway. What if you lose your wallet? If I do, I have my backup one ready to go.

You're worrying over nothing. You're so heavily protected by the bank that you're just making work for yourself for no benefit. If your card details get nabbed, you're not going to lose anything anyway. And hey, who knows, they might be storing your card numbers behind the scenes anyway with your order, and therefore you're not at any advantage! Or they might have been compromised and your card details are floating off every time you enter them. Who knows? In any event, I'd be more worried about my card being skimmed at an ATM. That's definitely more likely than having it compromised online.