This is the wrong approach, because the laws around payment cards require they be strongly linked to ID, allowing point and click shutdown/freezing of anyone's

This is the wrong approach, because the laws around payment cards require they be strongly linked to ID, allowing point and click shutdown/freezing of anyone's ability to transact. When you can't pay a lawyer, and you can't pay a taxi to get to your lawyer, and you can't buy food, and it's all because the government pointed a finger without evidence, prior to trial, the system is a bad one. The ability to use cash must be preserved. You really don't want to live in the world where the only payments are the ones the government explicitly allows.