Question:  In the online version of "Programming Android", the
author(s) make the following two comments, back to back (the
second is in a shaded box):

-------------------

         If you elect to be a publisher of paid
         applications, you will be directed to a page
         where you can create a "merchant account."
         This may sound a bit intimidating, but Google
         has made it easy to get paid. You don't need
         to form a corporation or get a business bank
         account.

-------------------
         Caution

         You should consult a lawyer about forming a
         corporate entity for your business and you
         should segregate your business finances from
         your personal accounts.

-------------------

Link:
http://programming-android.labs.oreilly.com/ch04.html#ch04_id221253

Correct me if I'm wrong, but these two statements certainly
appear to contradict each other.  For ad-supported/donation
apps, which should I choose (then again, the fact that I can't
afford a lawyer might make it a moot point...but I AM still
curious).  I am, however, already planning to get a PayPal
debit card to link the Google account to, instead of going
direct to my bank account.  I can even make my PayPal
account a business account at no cost, if I want to.

Later,
   --jim

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