That's actually a decent possibility. Much more probable than getting all the startups to collectively, consistently fund lobbyists on their behalf. The big tech firms already do that. Google, Apple, and Facebook are already working on integrating in daily routines of users including with payments.

It would be interesting for one or more to fund a push into banking maybe leveraging a bank they bought for its expertise and infrastructure. Probably opportunities for analysis and ad targeting on top of it. Wait, "ad-supported payments via displaying them at POS kiosks." Oh, shit, did I just make up an industry on the spot or does this already happen? ;)