Business idea. 3rd party for internet tough guy betting payouts. (copyright) Gold Jerry, gold.
Phil, cross this with an online payday loan service, and you pribably have something there.
For real, though, you guys should check out Dwollar.com (sp). Free app where you register your bank acct, then can instantly transfer money from dumb bet makers accts to smart bet maker accts. OnIy costs like $0.10/transaction with no value limit. Takes place through the same clearing houses the credit card companies use, but goes instantly from one bank to another.