There are a bunch of different things you're listing there, but none of them are really accurate: * Most merchants love Interac, it's far cheaper than credit f

There are a bunch of different things you're listing there, but none of them are really accurate: * Most merchants love Interac, it's far cheaper than credit for them. * Interac hasn't been "debit only" in a meaningful sense in some years, various banks now issue debit cards with Visa/MC fallback for international/online use. * The last few years has seen a proliferation of banks offering free Interac etransfers. There's no reason anyone now needs to pay for etransfers or for a bank account.