With Dwolla being uncooperative, the amount of money it will take to keep up with the growing supply of bitcoin will not be able available.
Unlike PayPal and credit card processors, Dwolla does not object to its service being used for the purchase of bitcoins. Dwolla simply was forced to pivot and it now passes most of the risk of fraud onto the merchant.
That doesn't mean that Dwolla is no longer an acceptable funding method, it just means that it no longer is the least expensive acceptable funding method.
Price fixes everything. Dwolla chargebacks are tougher than PayPal or credit card chargebacks, so the frequency will occur much less often.
By adding a surcharge to all Dwolla payments, an exchange can still accept that payment method yet be able to absorb a certain level of chargebacks.
Camp BX, for example, said recently that because each deposit converted to bitcoins produces enough commissions such that even if they see a 1% overall chargeback rate from Dwolla, they could absorb the losses and continue on. And that is without a surcharge for Dwolla deposits.
This is just a speed bump and not a brick wall.
We desperately need a bitcoin bank to transfer funds to one another instantly and in a monetary language that everyone is used to.
There are more and more of these coming every day. Is WalletBit perhaps a little closer to what you are looking for?
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http://walletbit.com (and their Business Tools:
http://walletbit.com/businesstools )
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http://en.bitcoin.it/wiki/Category:EWallets
