Why is the old "withdraw" now "process credit" on the website?

I am just curious if there is any significance to those change of words.

I think the old way sounded too much like a banking service, and the Lindens were on questionable legal ground, because they can't offer banking services. Now it's technically a "credit" on your account, and you can choose what to do with it.

Like when I overpaid my water bill a while back and had a $54 credit. They called and asked if I wanted it back or if I just wanted to keep the credit and have it applied to my next bill.