Sounds to me like the work of Zardulu the Mythmaker

Not noted internet super genius j4k3 though! So smart! Truly owns things! Not subject to any agreements.

Ok, but if this new payment model takes over and there are no fees to merchants, I’m very skeptical those savings will be passed on to buyers. I think at this point credit card processing is pretty well priced in.

I think between rewards and actual credit, credit cards will probably be fine, but I’m curious if you think this solves for either of these use cases.