I'm actually fairly shocked at the poll results after I voted, given the type of people I've seen posting here in the past...
I'm quite surprised too, was expecting higher percentages voting yes. After all, there are no rules on Dwolla (in fact no TOS I could find) that says users cannot change their mind and ask their bank to reverse a transaction. Any rational person looking towards their best interest would then conduct as many such transactions as they can.
The convenience store down the street does not prohibit counterfeit bills in their TOS. In fact, they do not even have a TOS. Does that mean I can pay them with fake bills?
Making false statements with a fraudulent intent is a criminal act and will be prosecuted in criminal courts. TOS is a contract and any dispute will be settled in civil courts. Don't confuse the two.
lol, relax, there's a missing context here but I think SgtSpike got what I was referring to