[rollcat]

Can I go to any grocery shop, check out, and pay by sticking my watch to a terminal for one second? Can I go to any website, have my browser fill in the credit card details, and click "pay"? Can I submit a dispute if I get charged incorrectly?

Because that's my bar for "does payments really well".

Sure, I can't spend my Amazon gift cards for my Warframe platinum. Yeah, Amazon could strike a deal with Digital Extremes. And maybe I could even use that platinum on Fortnite skins. But their respective deals will happen in dollars, not dogecoins.