How much of that is due to ad-tech companies like Google conditioning people into thinking that way? What if online payments weren't so god awful and allowed pe

How much of that is due to ad-tech companies like Google conditioning people into thinking that way? What if online payments weren't so god awful and allowed people to throw in a few dollars as easily as they might at a toll booth? That's still an unsolved problem too. Credit card companies have solidified their involvement in every facet of the process and the alternatives are non-starters for frictionless commerce. I'm still happy to put my money where my mouth is and do pay for services which are genuinely useful to me. But this is not the kind of internet I imagined when growing up.