Many countries are already implementing independent payment systems. What’s missing is international payments that could be simple, but most of these national systems don’t allow interoperability yet. I really hope they tackle this soon.

That and reserving money like for car rental and other deposits. Shouldn’t require a credit card. A bank or payment provider could implement this transparently.

Visa and MasterCard have such a strong duopoly that its almost impossible to break into. Even Elon is struggling to do it.