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I too have been following this very closely and I believe that we really need to be worried about this credit freeze that is just going to get worse.
I predict that several sponsors will go under in 2009. The sponsors that are operating in the red will not be able to pay you on time, and some will close up shop without paying you the remaining earnings on your account. Some sponsors will get bought out by the big guys if they are lucky and you will keep getting paid.
I think this is the immediate problem for all of us, rather than the consumers not having credit cards to buy memberships. But make no mistake, porn sales will go down because people will be too busy looking for a job.
Honestly, I don't know enough about finance and economics to either support or oppose this bailout plan. But I've learned more about this crisis from reading this thread than I learned from all 9 of Bush's mini-addresses.
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