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I've complained in the past when people have made fragmented legal arguments, so you won't get that from me. Consider me refreshed that you didn't do it either.

One of the questions I've been asking myself is whether you can bind users to changes in a terms of service without allowing them to dissolve the interest utilizing said TOS?

For example, I paid Linden $ into the WSE's ATM. I THINK Luke said that by our giving him our Lindens we're transferring the license to him. But I don't think we can transfer the license, just the currency governed by the license. Now those Lindens are being converted to WICS. However, Luke still retains those Lindens. So he's still bound by the "limited license." Does the Limited license of the Linden $ allow for a forced conversion?

Much of the argument provided is "by using the WSE website...." And maybe that will fly (it didn't fly when that land owner sued LL, but that's another issue), but what if I deposited money into my WSE account via Second Life, but only used his website to sign up? Say I was taking advantage of the Our Bank interest rates. Where does the SL TOS end and WSE TOS begin? And how far does "Australian law" fly when the item used to pay into the website was in the United States?

These strike me as important questions. Ones I'm by no means qualified to answer.

In the end I think ATMs will be restricted to the point to require the service itself to exist within the world where the transactions take place. Or in the other words, a website may aid such transaction (such as MetaCard..you can check your balances and all sorts of nifty things, but using the card, paying it off, and so on can all be done inworld) but will not be the replacement for a function within the virtual world. I'm sure there will be exceptions to allow currency exchanges and such to do their thing.

For Luke, who is leaving Second Life, I don't the future of ATMs or SL is relevant so much as actions that took place during the policies at the time. But again, I'm no legal expert. I'm a student. So like a good student I'm going to limit myself to questions and thoughts where my intended vocation is concerned.