The credit card companies dropped the ball years ago by not letting their card holders accept payments from other card holders in a hassle-free manner. If they

The credit card companies dropped the ball years ago by not letting their card holders accept payments from other card holders in a hassle-free manner. If they had done this PayPal would not exist, and the world of credit card holders would be able to transact business directly with each other, rather than going through a "middleman" -- and theoretically anyways, everyone's rates would be lower, too.