The merchants on the Washington side have special incentives for P2P arrangements, notably the lack of sales tax in Oregon and the presence of the B&O tax in Washington.  Getting over these hurdles is a losing proposition if all you use are the tools on the table, which is why just about everyone uses P2P and other under-the-table tools to some extent.  And "under the table" is exactly how the taxing authorities (which can do something about it directly) and the banks (which can get others to do something about it) view these arrangements.  They aren't getting theirs, so the crushing must commence at once.  Which is what really has to be overcome to make this work.