> Yes, but if you have a VISA card you can still withdraw the money and pay in cash right? That's an alternative that doesn't involve switching over to another

> Yes, but if you have a VISA card you can still withdraw the money and pay in cash right? That's an alternative that doesn't involve switching over to another ecosystem. Isn't VISA somewhat similar to an ecosystem? It's not perfect (you can not switch over all apps when switching from/to Android), but you still need to change something on your side. Yes, exchanging a plastic card is easier than switching a phone, but it's not fundamentally a different paradigm. > Also, the EU regulations cap the fees and set up identical rules for everyone I agree that this is a good idea, but it's not a fundamental problem with Apple's payment structure.