This is really going on a tangent that's beside my point on the fees, but are you genuinely suggesting people can treat payments like phone calls or texts -- th

This is really going on a tangent that's beside my point on the fees, but are you genuinely suggesting people can treat payments like phone calls or texts -- things that tolerate long delays? If someone calls you and your phone is unavailable for whatever reason, they can back later, even tomorrow or in a week. Or maybe you borrow someone's phone to call back. You... can't do any of this when you're trying to make a payment on the spot. Especially when you're poor. If an electronic solution is ever going to work at all, it needs to be something that's not powered. Like debit cards, not phones. But even with those, there are so many giant problems here that I don't have the energy to go on the tangent.