Exactly...

Look, I'm not saying Kiva is a bad thing. I'm just saying that I don't want an entity that does the majority of it's business with third world countries having possible unrestricted access to my credit card. That shouldn't be too difficult to understand.

I would just do a little more research before committing to something like..."Hey, this seems like a good idea and it's on the internet, so it's gotta be legit...right?. So, here's my credit card number".