> True innovation would be more control over your money. For example, you could have a bank account with $100 in it, and you allocate dollars $0-50 to be "online" money. This can mean different things, but for the sake of example let's say that means that you can go to https://bank.com/user/endisneigh and if I give you a special code that I create you can take an amount of money directly from my bank account, specified by the code. No need to use something like stripe.

This is a thing in the Netherlands, between iDeal / Tikkie / and bank transfers. iDeal is used for payments online, it depends a tiny bit on your bank but you get a QR code and you scan it, it then does a direct bank payment from your bank to their account.

Tikkie is similar but is p2p. I can create a link or a QR code and send it to people. They can then use the link or QR code and send me money. Alternatively you can just use my account number (an IBAN printed on the card) and just transfer money.