The "average individual" has approx one breast, one ovary and one testicle. Speaking of "average individual" is meaningless.

The important thing is to think of how many business transactions are completed or never initiated due to the existence or absence of an a payment option.

> protects businesses at the expense of themselves

If you browse around this thread, you'll find maybe 7 or 9 other times where I responded to this: of course, for most use cases people will be fine by using the current systems. This does not eliminate the other cases that are not viable with the current systems, such as cases where the risk is negligible to the user on the individual transaction, but the risk to the merchant is too high at scale.