Private credit card/debit card exchanges? I've seen sites that make use of google checkout or other forms of cards processing to convert USD from debit/credit cards to BTC.  I know that these types of sites cannot be opened up to the public because it takes one bad egg to bring the whole thing to a stop.  

But what is keeping someone doing this on a small scale to only trusted individuals, friends, family, ect?
Also if one person can do that, btw such sites do already exist, then why don't we(the community) write an open source version and all run such micro-sites for our friends and families?  

Most people I talk to get interested until they realize how hard it is to actually buy coins.
If you operate below the radar that practice can thrive.  For instance, if you were to accept a friend's credit card swipe using your Square dongle for the sale of your bitcoins, you'ld probably be in violation of the merchant agreement.  

If the charges are from friends and family and only made occasionally Square will probably never know nor care what the reason was for the purchases.  But start doing regular "card not present" tranasactions for larger transaction amounts (e.g., $100 or more) and that's probably when you'll end up getting asked for more details on your business activity.

Do know that you expose yourself to the risk of a chargeback should a payment dispute occur.