ePassporte is many things Petr, not just a card for people that can't pass a high risk transaction... no system is perfect and we are refining this one daily to make it as user friendly and accessible as possible.
We've got plenty of Europeans who are using the accounts and not having trouble funding them, and we've issued accounts to more than 100 countries already, in what basically amounts to the first 90 days of business. No, the system is not as large as Paypal or as accepted at the moment, but Paypals also been at this for a few years... of course Paypal is also getting out of adult entirely in two months, so people who rely on them as a serious source of revenue will be looking elsewhere to replace it, and this is a natural for that use.
At the end of the day the fact does remain that you cannot have any sort of credit or debit product without doing risk management on it -- go to Bank of America here in the states and open an account -- you do NOT get the Visa logo check card unless your personal credit score meets their minimum requirement. I have a credit union account as well and they do the same thing. ATM cards with the Plus, Cirrus, etc logos are issued regardless of history, but those are also the cards with low daily withdrawal limits and they don't work in any more places than the ePassporte Electron card, nor do they work at all like the virtual account for online purchasing.
ePassporte may not be the solution for everyone, heck if there was only one solution that fit everyone then there would be no need for competitive products, no need to bother developing anything new and no need to support and market such a product
OH, and Dyna, you've got mail, but I forgot the jpg ;)