"One would understand a ban on surrogate advertising, but to completely ban [smoking] is ridiculous, a joke taken too far."

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It's a chicken-and-egg thing. You could send cards to everyone in San Francisco, but if the merchants don't have the terminals, what's the point? What you need is a cooperative effort with merchants in a metropolitan area to create a tipping point where you can justify advertising and merchants are willing to attempt this new payment system.

— David Robertson