And....I'm finally caught up here!
I'm so sorry to hear about all the problems you're having, Zen.

I can't believe it, what the heck happened, did we go to sleep and wake up in Prohibition times? Screw 'em all, go back to basics and do mail orders only!
Set it up to send invoices that are to be printed out and mailed back along with a money order included. Cash the MO's and bury the money in your backyard, Zen, and don't let anyone make a pennys interest or percentage off your hard work!!!
This really ticks me off! I cannot imagine how this affects you, Mike, and I'm just so, so sorry.
My grandmother used to tell me that you can't have the beautiful flowers without rain, nothing will grow where the sun shines all the time. I try to remember that when life gets rough, hang in there my friend and we'll stand by you and with you til the rain is over. (((((((HUGS))))))