Exactly, modern e-commerce convenience requires credit-card-equivalent payment mechanisms. The delays & extra expense/staff required for mailed checks are an on

Exactly, modern e-commerce convenience requires credit-card-equivalent payment mechanisms. The delays & extra expense/staff required for mailed checks are an onerous barrier to legal commerce, for both merchants & buyers. The market is afraid to provide them to unpopular, but legal services. Earning a living is an important human right. So perhaps the government – maybe the Department of Health & Human Services, or the Fed – should provide a alternative to protect this human right.