> They want the convenience of quick payments with none of the liabilities. All payment systems are moving in that direction: PayPal, any RTP like PayTM, crypt

> They want the convenience of quick payments with none of the liabilities. All payment systems are moving in that direction: PayPal, any RTP like PayTM, cryptocurrencies, etc. You (the consumer) control the account and the transactions are easy to make. If you want to revert a transaction, you have to prove that you lost control of the account in a way that is not your fault. And even then you may not have a recourse other than going through the legal system. (Self-custody has benefits and costs.)