The “gap” is a customer choice though. I ran payments myself in 1999 and had to get a merchant account and deal with the bad APIs of the time. People can do thi

The “gap” is a customer choice though. I ran payments myself in 1999 and had to get a merchant account and deal with the bad APIs of the time. People can do this today. Or use Stripe. Not a great choice, but still a choice.