I would love to see direct transfers replace payments via credit cards, which provide very little utility to customers in the end. I would also like to see this

I would love to see direct transfers replace payments via credit cards, which provide very little utility to customers in the end. I would also like to see this serve as an alternative to PayPal or Stripe or other such intermediaries. All these companies simply create unnecessary centralization points. And that also means they come with a central authority. And what do these authorities like to do? They like to build up market power, shelter themselves from competition, seek rent, and impose their political/moral will on their customers and on businesses. We saw it with porn. We saw it with Wikileaks. We seek it regularly now in the age of deplatforming. It’s time to move past them, and crypto does not have to be the only answer.