> Two companies(master/visa) hold complete control over the entire customer spending in the whole world.- They also prevented banks from catching up to the 21st

> Two companies(master/visa) hold complete control over the entire customer spending in the whole world.- They also prevented banks from catching up to the 21st century, technology-wise, and we still do not have instant online payments. India has UPI, China has WeChat Pay and AliPay, Russia has MIR, and forced Visa/MC out of business for domestic payments like five years ago. Adding insult to injury, all these systems do have instant online payments. Oh, and Japan has JCB, heard African and Latin American countries have their own systems too. The "world" you're talking about is a small one.