After reading all the emails about this, I now see that I may have 
misunderstood some things, which is fine...and some of the ideas given since 
would help in this, such as getting some sort of a minimal email "bill" every 
month...even with as a minimum only the remaining balance. This should be 
fairly easy to do and then we can check into portal for details as to amounts 
billed/added if desired. This alone may help just a tad in keeping our balances 
more positive. 

Also, I think it was how the portal balance info was shown that added to 
confusion, as there was no total of the two amounts, showing my effective 
total. In future, I think this needs to be done when we change to other methods.

And as stated, when a member goes to a totally negative balance and then 
vanishes, that's not fair to the rest of us, so beginning some process to block 
that is definitely a good thing...my main concern was about others of us who 
just wish to keep as small a positive balance here as needed, as since HCoop 
isn't a FDIC bank or mega-utility, which doesn't mean that I don't have faith 
in my fellow members but one never knows what may occur.

I do acknowledge that for a while when the setup of new servers was dragging on 
and on with no apparent progress to this novice, I let my balance get quite low 
simply as a minor variant of a protest and indication of my uncertainty or 
unhappiness, but I DID realize that I owed for the fyodor expenses and was more 
than willing to pay that as needed.

Having some way to contact members via means other than email should be a 
requirement, IMO, such as current telephone (or ICQ, Skype, etc) which would 
make sure that user was actually contacted at last resort which a postal 
mailing may not...that's part of reason that I'd be easy to locate, given the 
number of places that I'm listed on web...others may be very hard to trace 
down, and thus harder to collect from, so that may something we need to improve 
on, even if the info is not available to everyone publically, but just the 
admins.

Anyway, that's just some more of my thoughts on this whole thing.
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