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1- That's really hard to say. In the U.S. it's become pretty common for banks to offer a free debit card when getting a checking account. That card can be used to sign up just like a credit card, so those people would be able to sign up regardless. However, not every bank offers this, and not every person would take advantage of it anyway. There are a lot of old-fashioned people out there who don't like plastic, no matter what.
2- Considering that it's been taking Ibill about 5 days before bouncing a check, I'm sure that a broadband connection and a site sucker could download the site in that amount of time. We use HomeGrownContent for our video, so what resides on our server is 99.9% photo content.
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