> Credit Cards dont need to be "fixed" or "solved". As a customer, its easy to use, widely accepted and my risks are covered 100% by the issuer. I cant say the

> Credit Cards dont need to be "fixed" or "solved". As a customer, its easy to use, widely accepted and my risks are covered 100% by the issuer. I cant say the same for phone payment methods. As a customer, you are paying more for products because credit cards are broken: retailers are passing on fraud-related expenses to you. You are paying for the inefficiencies in the system, even if the costs seem hidden.