Just another processor won't solve the problem existing today - fund need to get into this system and they will get there from regular CC or regular people, whi

Just another processor won't solve the problem existing today - fund need to get into this system and they will get there from regular CC or regular people, which are stolen and sold cheaply today. It will be a battle between fraud and checks. The way they will battle this is "the dystopian" way, you are correct there - more and more closed systems, proprietary protocol additions, ban of 3rd party clients, eventually it will work only internally in google, microsoft and apple. It already starts to happen with dynamic emails, blocking imap etc.