Debit cards and mobile payments are not low cost in many places. They may seem to be no cost to consumers, but the costs are added in every product or service t

Debit cards and mobile payments are not low cost in many places. They may seem to be no cost to consumers, but the costs are added in every product or service that's being sold because every player and "middleperson" in the payment chain takes a fat enough cut. This affects the poorer people disproportionately, and they end up subsidizing the costlier digital payment modes used by the relatively richer people.