Maybe I am naive[1], but I have difficulties seeing that happening in the EU. I mean, that we would have significant amount of merchants accepting only payment

Maybe I am naive[1], but I have difficulties seeing that happening in the EU. I mean, that we would have significant amount of merchants accepting only payment systems that are not available to everyone. Of course, if someone has evidence of (a possibility of) opposite, I am keen to educate myself. [1] However, given everything I know (which is not much) about US financial system, I do understand that people there worry about things like this