I can't understand the privatization of payments online. Governments used to be the primary supplier of moneys which everybody had the right to use and everyone had to accept. But online only the private sector (credit cards, paypal, etc) is providing the means of payment. Anyway, all these folks should use Bitcoin: http://www.bitcoin.org/ It is peer-to-peer and anonymous. The tricky part involves converting it to traditional currencies but it currently has parity with the dollar, as reported earlier on Slashdot.