I agree with all the points on your list - however, i could make one twice as long for 'whats wrong with cc processing' ...
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SMS billing is not the way of the future. Especially not in the USA/Canada.
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I'm going to share a little secret with you ....
USA & Canada are not the only 2 countries in the world
You can take all USA & Canada traffic and the credit card issues and I wish you well my friend. I'll be playing over here in SMS land - lets compare notes in a year ;-)
Its not exactly news to American's i'm sure that the one area you are seriously behind is cell phone technology. I got my first 'Internet' multimedia cell phone the other day - it has the ability to send and receive pictures, movies & audio clips plus I can receive and send email from the phone ... I got it free on a 2 year $60 per month contract (with $60 of calls included) ... my 21 year old sister has one, my boyfriend has one as do my employees ...
Right now the formats only half work with each different phone/network and you have to download software to do some things etc - but the technology is AMAZING & this is only the first wave.
If you keep your mind stuck in the place where 'internet porn = paysites with cc $29.95 per month charge' then how can you expect anything to change or improve?
We DO need billing alternatives - BRING EM ON BABY - being this heavily dependant on visa and mastercard is what got us in this mess in the first place.