Instant electronic payments with upwards of 5% transaction fees for technology that costs them what rounds to nothing. I feel like at least the payment process

Instant electronic payments with upwards of 5% transaction fees for technology that costs them what rounds to nothing. I feel like at least the payment processing part of finance today is something ripe to be nationalized if you had a democratic representative government you would trust to do so. It feels exactly like infrastructure, the same way fiber to the home should be a public works project, but instead its possessed by global corporations using rent seeking and crowding out effects to make gross amounts of money off of it.