It's only easy if you've been lucky enough never to have a problem with it. If you should run into difficulty, though, such as having your account frozen due to suspicion of fraud due to the operation of various inscrutable automated screening processes of theirs, you'll find yourself in a Kafkaesque bureaucratic nightmare from which you may never extricate yourself. Their customer service department is nearly impossible to reach, and is hostile to customers when reached; even on the occasions that you get in touch with somebody who actually wants to help you, their hands are usually tied by corporate policy. Look on consumer review sites like Epinions for some horror stories.