In my opinion, the most important "infrastructure" tech companies are credit card companies and banks. It's kind of wild that all digital money-handling is done by a third party that isn't regulated like a utility.
This will eventually be resolved, forward looking, as payment volume ramps on the Federal Reserve’s FedNow instant payment system [1] [2] [3]. Banks in the US are already regulated as a utility, for the most part.
[1] https://news.ycombinator.com/item?id=36801491 (“HN: FedNow is live)
[2] https://www.paymentsdive.com/news/fednow-rtp-bank-participat... (“FedNow zooms past RTP participation in inaugural year”)
[3] https://news.cision.com/fxc-intelligence/r/fednow--the-numbe... (“FedNow: the numbers one-year on”)