Time to call for "Uniform Payment Systems"
In many "developed countries" we pay taxes that support a system of electronic fund transfer between banks and the treasury or banking department. Here in the USA that is called the Federal Reserve Banking system, which provides check clearing and EFT transactions across the world.
Our banks charge us $2.00 transaction fees to use atm's and our taxes help support them further. Ever try to pay by electronic check by phone, only to hear the bastards will charge you $9.00 to make your car payment that way?
The whole lot of them are a bunch of bleeding buggering thieves!
It is high time we regular folk were given the same rights as the banking industry and that all businesses were required to use the SAME FRIGGIN SYSTEM for electronic payments.
NO "PayPal" or somesuch ridiculous crap, just a regular credit card and 6 to 8 charachter ALPHANUMERIC "PIN" number. No friggin proprietary bulltwinkie "one click" with my "account" info strewn all over multiple companies servers, just VISA or Mastercard or some other normal credit card transaction. The only difference is I run it from my own home.
Every time I want to buy something, I will enter my card number & PIN and I don't want it stored on the server of the company I am buying from, destined to be scammed by some phishing eastern european cracker. It should ONLY be seen by the credit card issuer and the entire transaction should take place on THEIR server with a confirmation and identity code sent to the sellers server and to myself.
This network is ALREADY IN PLACE! All "they" have to do is let US use it and it is ours to begin with.
Individuals should be given access to it, because we paid for it's creation and it is the only secure way to give EVERYONE a cash free, uniform method of payment.
By the way, the posting of this comment constitutes "prior art" and is entirely my idea. I want just 0.005 cents per transaction for my efforts.