[Animats]

> Well, yes, but that's every kind of payment in the world - in just about every transaction in the economy, it's the people producing the thing that want money for the thing, not the consumers who want to pay them.

Nope. Credit cards, in the form of Diner's Club, were invented by Frank McNamara, a millionaire who went to a restaurant for dinner and forgot to bring enough cash. ATMs were conceived by Walter Wriston, CEO of Citibank, because he saw too many people waiting in line at his teller windows for cash. The big push behind FedNow today is from the parts of the U.S. Government that pay out money for tax refunds, medicare, and pensions.