There are problems with both sides.
Both from programs that hammer surfers... with cross sells, and other special promos where they think there card is being banged for $25 and he ends up with a $130 VISA charge.
Of course free site webmasters demand to be paid $35+ per signup, so programs have to do things like this to keep payouts high to keep webmasters happy.
The problem with newbies is they look for quick schemes to make money ( like some programs do as well), and many are happy to make $1-2k a month for beer money while in college. So they muddy up the waters...
The reality is, not much will change - because the inherent nature of the internet.... Hence the industry is heading south fast....
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