Fair enough, yes. I know the payment situation is very different worldwide, especially in 2nd/3rd world countries (Brazil, India, Southeast Asia, Africa, etc.).

Fair enough, yes. I know the payment situation is very different worldwide, especially in 2nd/3rd world countries (Brazil, India, Southeast Asia, Africa, etc.). But if you look at some of the top fintechs in both the US and Europe (e.g. Chime, Revolut, Brex, Robinhood, SoFi, etc.) all help extend Visa and MC's reach.