Net positive because in a few years the merchant may become a stacker and regrets that he was selling his earnings. Regret can be a strong motivation to stack with great discipline. Also, it's a possibility to get educated about p2p payments and removing intermediaries in general. So see it as a long-term dry test until people get more comfortable upgrading to better money.

"Do you have the right to know" just checked the constitution and it didn't say anything about such a right. But you know, you can always ask :)