Enforced government monopoly, more or less. Also: > The restaurant calls you a few minutes later to confirm and take your card. This is really bad, and one o

Enforced government monopoly, more or less. Also: > The restaurant calls you a few minutes later to confirm and take your card. This is really bad, and one of the reasons. For example, I would use Apple Pay only on platforms I don't trust, and giving a card/cvv over the phone is 10000% one of them.