The utility isn't solely measured by the amount of money a financial service can move, or the amount of transactions it can process. If that were true, Western

The utility isn't solely measured by the amount of money a financial service can move, or the amount of transactions it can process. If that were true, Western Union would obviously have less utility than Visa. But actually, WU and Visa solve totally different problems with different risks associated, so it doesn't make sense to compare them in that way.