[codedokode]

> micro-transactions are not possible given the huge banking fees

Cryptocurrencies like Litecoin have low transaction fees (currently less than a cent). Apple somehow manages to sell apps that cost just several bucks.

Also, in Russia, a Fast Payment System allows transfers up to $1000/months without commission, however these terms are available only to personal transfers and not for business. But it shows that low-cost transfers are possible even in traditional banking system.

[HappMacDonald]

Litecoin, as a cryptocurrency, is rife with scams and offers no chargeback mechanism and either requires an end-user to run their own wallet software which can be hellaciously easy to screw up or lock oneself out of or get scammed out of by savvy hackers, or host the wallet through some third party who then has to deduct their own pound of flesh to keep the service running be that through additional fees or through the same anti-consumer "you are the product" practices as ad networks.

Apple (literally the single wealthiest company on the planet) "somehow" manages to sell inexpensive licenses to primarily ad- and surveillance-financed agents that infest end-user hardware through a marketplace that probably acts as a loss-leader for them to sell said hardware to begin with.

And "transfers of up to $1k/mo without commission"? (Why is that quoted in USD instead of Rubles?) Venmo, Zelle, Paypal, and countless other services in the US allow you to transfer $1k/mo and more without fees to other people using the same system and with a lot of friction to get money back out of said system. And the fees are still "only free to friends/family" specifically because you only need chargeback protection when paying to a business.