True, there's something of a tradeoff to make there in terms of waiting vs risk. This is the case with existing payment systems to some extent as well, isn't it? Blizzard for example recently took some heat with regard to fully activating digital downloads of Diablo 3, saying that it typically takes around a day, but may take as long as 72 hours. Speculation was that this was a response to spammers fraudulently buying short-lived accounts (perhaps with stolen credit card numbers, or issuing chargebacks).
