Webvism is teetering on the brink and only works with Firefox. The other is for dosh. I do not believe that in order to avoid these one should need to pay anyone. Its a good idea about accounts, but you have to have a card reader one supposes to get in. some of the banks have fallen foul of the equalities act recently by not making ehem speak for us.
There has to be an answer, and I cannot help but feel that sooner rather than later they will have to remove the capchars as many of my sighted friends simply cannot work them out any more either. No10 dining street has a particularly terrible one for audio just now. The sad part is that as these lie at the gates of nearly all sites there is now way to complain about them without actually getting one to work!
Brian