Seems like the way to solve this, without opening up market pricing for them. In theory, this would create a marketplace where supply outstrips demand.
I'm pretty sure the article has it completely backwards. If a retailer has a chip reading terminal, they aren't responsible for fraud. It incentivizes retailers to update their hardware, or face shouldering the fraud risk for chip enabled cards that they end up swiping.
Postmark is one I've used in the past that has an incoming mail API (in addition to outbound) that hits an endpoint you set with email data already processed for you, attachments included.
you'd be surprised how little you need to inflate these types of things to be comfortable. Often times you only fill it 60% or so so it has some give when you lay on it.
we replaced Casper suite for Meraki's free MDM solution, has been amazing for us. Just recently started to test some of their AP's, and have been really impressed.
I keep an evernote notebook for ideas, and drop photos and various ideas into it over time. I revisit every few days to organize and cull the really bad ideas. The ones I keep returning to seem to bubble up to the top.