Although it also would disrupt several startups, I have been saying for a long while now that the payment processors like Visa, MC, etc., really shouldn't exist. The government should have its own digital currency and its own payment processing network.

If the government doesn't get on that, it is under serious risk of losing it's primary purpose of governance, to which currency and financial systems belong.

There is talk about the end of the dollar as a physical currency sometimes, but government types should really start realizing that simply handing over currency and payment processing to private entities represents probably the biggest threat to the westphalian nation state that ever existed.

One of the primary powers that cause people to congregate around a nation state government is the control of currency. It may even represent another major crack that could result in the fracturing of the USA.