I think that's a very well-thought-out response. It's always sad that a very small minority of users create so much additional work for your team, but I guess any scaling project needs checks and balances to combat potential abuse.
I was very surprised at the number of transactions you're handling and the number of stores you have signed up and wonder why it seems, to me at least, this project has flown under the general Hive radar somewhat.
In one of the comments, I mused whether the users I complained about were running a 'cashback' scheme similar to getting cashback on a UK debit card, but perhaps that might actually be a good idea for the future. The more you can remove a link in the transaction chain by bypassing the need for exchanges, the better in my opinion. That type of transaction wouldn't be eligible for the Distriator discount HBD cashback of course, but it may still prove to be a useful and cost-effective on/off ramp service for users.
A couple of really positive things have come from this. Firstly, it made me look deeper and learn more about your project and its positive effects on people's lives and the future potential for HIve, and secondly, I'm really happy to see so many of the Nigerian community show up to offer insight and support by telling what things should cost!
Thanks once again for the replies and for showing transparency and accountability, I wish you nothing but success with everything. Rome wasn't built in a day :-)
Best wishes
Really appreciate u taking interest. This project is growing so fast that it will be difficult to ignore soon