And what I (konschubert) am saying is: I would like to have more choices, as a customer and especially as a merchant, so I don’t have to pay visa 3% next time.
And I think this means there is opportunity for disruption.
Creating those choices requires societal adjustment. It is not something that can be manufactured by a market, and as such is the purpose of government. Many examples of this exist in production all over the world, with high degrees of success.