Google has probably had 100% of every American adult and child in the past 20 years, and they haven't made a dent in payments, even with their own phone ecosys

Google has probably had 100% of every American adult and child in the past 20 years, and they haven't made a dent in payments, even with their own phone ecosystem. This 65m/330m back of the envelope stuff is pure fantasy. Unless people have no option but to use it, it won't work. For example, the onl reason I use Paypal is that 20 years ago, Ebay didn't offer an alternative. Today, I use it because I can unsubscribe from stuff with one click. I'd never use it otherwise.