This was Bill Gates' idea. I wonder if he's going to implement it, he probably won't since the critics out there hated the idea. So do I, there are a lot of ripping off people involved in this, probably a crack to make the sender pay more, and just to much risk all up. It would make a lot less people use email,  and over all you would have to attach your money account to your email account (as in have a secret section in your email setup with your bank details, which there probably would be a crack to find out).