Maybe start by not having banks that are so bad at actually doing what a bank should do that visa and mastercard can just move in and fill the gaping holes with

Maybe start by not having banks that are so bad at actually doing what a bank should do that visa and mastercard can just move in and fill the gaping holes with credit cards. Until I moved to North America from Europe I had zero reason to even own a single one because banks just... you know... did banking. It's both possible and easy to send and receive money, without caring which banks are involved, instantly, for free.