You're thinking of a complete overall, whereas I am thinking a gradual disposition. To some extent, the card is where the control is. PayPal knows this, which

You're thinking of a complete overall, whereas I am thinking a gradual disposition. To some extent, the card is where the control is. PayPal knows this, which is why they came out with a debit and credit card. If a proximity payment service emerged that could interact with the API inside a device, it is a matter of time before a "simple, affordable microtransaction" service/app comes about. From there, exponential growth due to the order of convenience and simplicity. Banks, meet your "Napster", as it were. Imagine mint.com came out with a proximity payment system for all devices and used the existing mint.com system as your "Bank Account" overview. Simply amazing!