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I’m also a long-time user of the free LMI system… over the past several months, they’ve reduced the number of members a free network can support from 15 to 8 and this week down to 5, which resulted in a number of connections being suspended. Are you managing your LMI stuff via their Web control panel? If you are, you can check the situation there.

I use credit card “gift cards” for all my online purchases and payments. They’re available in denominations of $25, $50, $100, and $200. Similar in application to the virtual credit card approach noted in another post here, they limit my exposure to risk and also serve as a convenient budget constraint for purchases and services. Available from all major card brands, including VISA, MasterCard and AMEX.