My physical card doesn't need to be connected to a backend. My bank had an app that was able to work like a card - I could be offline and still use it. They had

My physical card doesn't need to be connected to a backend. My bank had an app that was able to work like a card - I could be offline and still use it. They had to cancel that app because of PSD2. Destruction of a good amount of civilization indeed! Now Google gets my payment data, I have to be online to pay with my phone, and I have to tolerate Google spyware on my phone instead of using a clean AOSP without any Google apps/services like I used to. Thanks EU, you're keeping my data safely in Google's hands!!!