@hacks4pancakes@infosec.exchange I feel spoiled in Canada having the Interac system. The banks here are an oligopoly, but a positive outcome from that is they got together and made a system to allow payment directly with debit cards, without having to worry about what bank you're with. So most of the time in real life I pay directly from a chequing account. Just a little bit of money that doesn't go through American financial institutions. And immediately painful if overspending.