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You really have to explain how you can even begin to compare a payment processer with steam.

Steam provides a ton of value add on top of payment processing. Advertisement, distribution, a storefront, a boatload of users.

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Thanks for asking. - Advertisement: the free internet has lots of places for adds - Distribution: there are several very good protocols for transferring files, even ones with DRM! - Storefront: ...stores don't take a 30% cut of what they sell, and as we all know inventory costs are pretty low when it's all just bits on NAS storage. - Users: again, this is called the internet, they are there and what they need is curation. I would much rather a proper gatekeeper, say for example Polygon magazine, was able to pay real game testers and journalists to surface the really good game, and make a cut off of this, instead of the wasteland that's on display at whatsonsteam.com

You are not answering my question. You are simply enumerating ways how to do what steam does in other ways. My question is why are you comparing it to a payment processor.

I am comparing the greedy fee it charges...

Why build dropbox, you can easily do it yourself just by using (...)

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