Not so. For my boat plans web site, I pay $5/month for hosting the web site and use Google Checkout buttons for free (for awhile longer ...then very cheap after that.) With 3rd-party card processing, there's no need for expensive merchant accounts anymore. From the business perspective it's good since you don't have any information that could be abused (no CC info), and from the customer perspective your critical information is held by a large blue-chip corporation ...not a small business owner somewhere. Works for me.
Brian