For man-hours, anyone would already know the credibility of whoever inked the note.
It has zero relevance to the issuers muscle or skill or time. It is all about his credibility.
OK, I think this is the time for me to stop. I find the problems I bring up to make your setup into a mess, one which I would not like, and you don't seem to care. I suppose I should
kind of take your advice here, and judge the credibility of something based on experience. I judge your payment-system not to be credible based on our conversation.
Thank you for your critique
Usually what I am told is "Why are you always so negative?". This is definitely an improvement. :)
