The increase in complexity isn't on the user's side, though. Look at Square - in a way, it adds complexity, since it sits on top of the "crusty" infrastructure,

The increase in complexity isn't on the user's side, though. Look at Square - in a way, it adds complexity, since it sits on top of the "crusty" infrastructure, and it requires a smartphone/tablet and dongle, a touchscreen app, etc. That's definitely an increase in complexity, but also an increase in usability.