That would be terrific, certainly. MC and Visa fees in the US are outrageous, though Congress seems to finally be taking a look at this. I wonder, though, if t

That would be terrific, certainly. MC and Visa fees in the US are outrageous, though Congress seems to finally be taking a look at this. I wonder, though, if there’s an inevitable tradeoff between efficiency and decentralization? The credit card companies are highly centralized, but their services are so efficient and reliable that they’re practically invisible.