Open infrastructure was too vague. An open payment standard, like OpenID/OAuth/FIDO. There should be a standard, distributed payment system, it should be easy

Open infrastructure was too vague. An open payment standard, like OpenID/OAuth/FIDO. There should be a standard, distributed payment system, it should be easy to switch providers, and it should be easy to make payments without going through all these proprietary systems. It won't ever happen because there's nothing to gain for whoever builds it. And it needs to be build by the platform owners, precisely those that don't want it because they have their own payment systems (Apple, Google, Samsung, Microsoft, etc).