I wouldn't take any good advice harshly.
The reason I cannot is because I am still a student and cannot legally gain access to a credit card. My parents will not allow me one, even though I've updated numerous sites before, mainly for non-profit.
I am fairly new to AdSense (6 months), but I learn something new everday. I feel that taking a risk with a student as myself (even though I am sure if you met me you'd realize it wasn't a risk) I feel my good ideas, and the low amount of money that is required in ordered to turn a profit negates and even outweighs my age.
Anyways, I will PM an example to those interested and try to get e-mails out, but I am going away for the long weekend.
When I get home I will crank out the PMs though.
EDIT: Just in case I freaked anyone out with this post, I have hosted and run previous sites a few times with PayPal, but I have bad experiences with hosts who accept PayPal so I am wary.