Cost is irrelevant if they get more out of doing it than the processing costs.
Do they get more out of it than it costs, or are they still in the "people are just giving us money in the hopes that one day it turns a profit even though we're not charging nearly enough to make a profit" phase?
Do they get more out of it than it costs, or are they still in the "people are just giving us money in the hopes that one day it turns a profit even though we're not charging nearly enough to make a profit" phase?