If you need marginally free payments, the mobile payment systems that exist in several countries are already doing a pretty good job. We could imagine some EU r

If you need marginally free payments, the mobile payment systems that exist in several countries are already doing a pretty good job. We could imagine some EU regulation push to mandate inter-operability [1] and no/low cost to small businesses. I don't think big businesses can just disregard the cost of fraud and other payment incidents. On the other hand, subsidizing small businesses makes sense: for good or bad, there's an increasingly anti-cash movement in some European countries. [1] https://empsa.org https://empsa.org