Since its inception, I've always found the SE account system to be needlessly arbitrary. The fact that you couldn't directly pay them had a lot of people up in arms back at launch too. It's a huge turn-off for players if you make your sub-based game as difficult to pay for as possible.
This is my sig; Enjoy.
FFXIV: Tom Carroll - Excalibur
FC: Sitzkireg (www.sitzkriegfc.com)