As someone whose parents run a small business, I've found out that the average person doesn't realize how complicated it actually is for businesses to get payme

As someone whose parents run a small business, I've found out that the average person doesn't realize how complicated it actually is for businesses to get payments from customers. All of the overhead in payment processing happens because meticulous records need to be kept for transaction to happen (Account Balances, Payer/Payee IDs, AML/KYC requirements). All of this needs to be logged and audited in case of invesitigation or a charge reversal. With cash you don't have that problem - the transaction is physcial and immediate. But I doubt any micropayment system will get approval to transact money without anti-money laundering laws and transaction reversibility.