[throwaway894345]

> In civilized countries they have direct bank to bank transfers

I'm sure whatever country you're from (or otherwise alluding to) is a fine place, no need for the transparent insecurity. :) Narrowly, I agree that secure (and fee-less) bank-to-bank transfers would be preferable to CC.

> They are required for the CC transaction, this adds an additional player that should not be necessary.

We're positing a situation where CC's aren't available, so it's not an additional player but rather a different player.

[digisign]

>> CC's aren't available

A misstatement by me, still they are extra to what should be a bank to bank matter.

[throwaway894345]

No argument from me here. I would like to see better financial infrastructure. Specifically the idea that VISA is permitted to collect a 4% sales tax on virtually everything is a real bummer.

[digisign]

Come to think of it, perhaps I was thinking that since most folks would rather have/trust a credit card, an additional path is just that, somewhat redundant.