Here's the short version to save Jim's bandwidth ...
Newsflash: the greatest reversible/repudiable payment system ever on
the planet, is credit cards -- Visa and MC.
You very simply will never be able to improve on them. (How?
Greater penetration? lol. or what? how could it be improved
And furthermore ... the whole nature of the IG paradigm shift is that
there ARE NO merchants. There are no special users -- just users.
All users share the same concept of what an account is.
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