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I was lucky to get my account upgraded, but you are right.. At my age when P2P came, most people quit because they can't pay, we dont have an credit card and we cant get one.. Parents usually deny the youngster who wants his account uppgraded, because they dont know what they are paying for.
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I had to plead for almost a year (pausing for toilet breaks and sleep). My mum was just too scared to use the internet to buy things. She simply couldn't trust this "New fangled payment system.". Less likely for most parents these days, but I doubt their parents would allow their kids to pay for something, and if they see Graal, I'm really certain that they'd snort and say "Rip off."
No offence, but I've seen this happen to so many people.