> If there’s a need in the market someone will step in and fill the void.

Only if the Visa/Mastercard duopoly approves. It's not a real market.

You don't need cards to make payments anymore. At least in the UK you can make direct payments from your bank through a standard e-commerce checkout.

Cardless Subscriptions are also here (disclaimer, that's my role at a large open banking company) although some more legislation needs to be done before they can be used for ecommerce

Exactly, plus PayPal/Venmo-- look at how they pulled the plug on Mintpress.

Tell that to Parler and the aftermath of their disastrous data leak. There needs to be more respect for the effort that goes into making well built online services. Turns out its much harder than a lot of people realize.