As said, the main problem are visa and master who monopolized the consumer spending options and keep their firm grip on that parasitic business of theirs. Crypto SHOULD have changed but instead too many greedy people made it into a complete scam and took away any credibility it could have had. So we still have no alternatives and regulations and governments make it so we will not have those alternatives any time soon either. Banks are still living in 1980 and unable to do and settle payments immediately .... OVER THE *** INTERNET ... IN 2022. The entire financial industry is archaic AF. Porn used to be the pioneer with everything because it had the numbers behind it(they also had their hands in bluray vs hd-dvd war). But nowadays, thing have changed and it's not like it used to be. Everything had been monopolized and regulated and gate-kept so moving forward is harder than ever, even though it sounds like it should be the other way round.
PS: look at visa and master cutting out russians altogether just because they felt like it. that is the power they hold.
PS: look at visa and master cutting out russians altogether just because they felt like it. that is the power they hold.