You know, without those updates Rs and possibly Jagex would be dead.
1. Credit cards and refunding.
Say it's a dollar to refund a member purchase. One stolen credit card a person can make about a million accounts a day, with or without a team. Now knowing that the card would get deleted fairly soon we can say about fifty thousand member accounts. Then thats fifty thousand dollars. For one card. Repeat that a few times... :)
After all that a person can file a lawsuit against Jagex.
Think about how much they were loosing. :P
But back on topic, that won't be Rs3. It's just a optional detail for people with faster computers.