Some of us would much rather take a tiny chance at being "scammed" than the certainty of being at the mercy of the government, the banks and the payment process

Some of us would much rather take a tiny chance at being "scammed" than the certainty of being at the mercy of the government, the banks and the payment processors. In an ideal world, both of these choices would be available to adults to manage their risks and their own finances as they saw fit, rather than being forced into the latter system "for their own good".