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For you last point regarding national level outages: I am quite sure that trains companies would instantiate emergency systems in that case – maybe just by lett

• ACS_Solver 3y ago
  Quite possibly, yes. There's also the consideration that such an outage would likely be part of an even bigger problem. Over here, like most of Europe, we're pretty safe from natural disasters aside from storms causing local power outages. There are no earthquakes, tsunamis or similarly destructive events. So a hypothetical situation where payments are down nationwide for a significant period of time would almost certainly be part of an even larger disaster where a lot of infrastructure is non-functional due to military attack or something akin to a complete crash of all computers.
• el-salvador 3y ago
  Not a natural disaster, but there's something similar happening for about 10 days in Central America. The largest Telco was hit by ransomware and this has affected most of their systems. They are unable to receive electronic and card payments, or sell digital packages, it seems their billing, CRM and Helpdesk systems are down. So all prepaid users are able to use the inrernet and call for free.