What I wish could happen but probably never will: that this takes off sufficiently much that it's commercially viable for Apple to spinoff a personal payments b

What I wish could happen but probably never will: that this takes off sufficiently much that it's commercially viable for Apple to spinoff a personal payments business that lets me yeet small amounts of money directly out of people's bank cards for personal payments. Perhaps with an eg $50-100 limit or so. PayPal allows free C2C transactions that are much higher in any case.