I'm not sure I'm following, Aileen. Of course nobody is forcing you to give - but my direct debits do!
But direct debits can be cancelled, so I'm not following what you're saying.
I think Robbie is talking about keeping it to the forum rather than the main site.
That would be better, if you can find a way of doing it so that newbies, for example, don't feel that it's something they have to take into consideration immediately after they've joined.