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I would say most older surfers are afraid of CC fraud/charges.
Younger surfers because of the free porn.
Quite a few people I have talked to are scared to sign up because they think they will get a ton of porn magazines and catalogs in the mail like the old days. That was decades ago so I'm sure these cross sales will have the same long lasting effect on people.
The funniest part is that with the hidden cross sales, the programs are making $100 plus per sign up and the affiliates think they are kicking ass getting 30% of that in PPS and fucking their traffic and the industry in the process.
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