I'm sure what you say is right but I've had children at the school for eleven years and none of them have ever been bullied for their money or lost it or had it stolen. From my point of view there used to be a system that worked and now there is a system that doesn't work. I can't se what my child has bought because the system is broken, which meant he went on a spending spree in the first week, spent all his money and I had no idea. I didn't know there was pizza to buy at break, or chocolate milkshakes, because the school doesn't advertise that on their shiny, 'healthy schools' website. I've reduced the amount my son can spend each day now but that means he can't save up to have something special one day. He's getting no practice at budgeting.
I am a customer of Parentpay. Just because they don't charge me doesn't mean I don't have a relationship with them. I don't want to keep bothering the school every time something goes wrong, which from my two weeks' experience is all the time. It's not the school's fault that Parentpay is useless and I don't want them to think I'm making a fuss all the time. I have a nice relationship with them and I don't want to spoil it by complaining about something they're powerless to fix.
Parentpay wouldn't be inundated with parents' problems if their system worked!