vkou's comment illustrates a possible reason as to why they've failed: > Immediately the lightbulb went on in Ryan’s mind that there was a significant shift ha

vkou's comment illustrates a possible reason as to why they've failed: > Immediately the lightbulb went on in Ryan’s mind that there was a significant shift happening in the market from a physical credit card to digital payments. His mind went wild as he dreamed about what the future of digital payments could look like and within a short time after he launched Plastc." So, after shopping at a store that sells fruit smoothies and sneakers (?), and being told that nobody cares enough about a universal credit card to use the free Google Wallet one, he concluded that the future is a universal credit card that people will pay hundreds of dollars for?