All the payment systems we have suck. Especially for aging parents, it's seriously like paper checks are way safer and easier, for them. How appalling is that?

All the payment systems we have suck. Especially for aging parents, it's seriously like paper checks are way safer and easier, for them. How appalling is that? I like the idea of Zelle, owned by the banks, no fees, no spam, instant - but ripe with fraud, so I don't feel fully comfortable having aging family members enable it. You cannot increase or decrease your send limit either. Complete shit. It's all automated, of course it should be possible to set a limit. Google Pay keeps changing. I hate it because it's inconsistent and thus not trustworthy that I'll have anything like the same functionality today, tomorrow. Paypal and Venmo are really the same company, and I long ago lost respect for Paypal. Venmo is worse because it adds social media on top of Paypal. So those are out. Apple might have the best pay app now except it's iOS only and thus I think it's shit, because I value interoperability.