A lot of people find it's important to pay on a credit card especially if you're living month to month, or if you can afford to pay the fees you can get decent status with your card company.

You're totally right though, $4.95/mo is more likely to happen (or send through your bank). We have some good value add over the bank because we're in the process of letting you build your credit history with successully paid rent payments - something the banks don't offer.