Right. To facilitate this we need a much easier payment system. I've advocated for ages we should be able to buy a card with value on it—say $10, $20 or so. The card would have a lottery-like scratchy which would reveal a number that could be used for such payments.

I'd be private, anonymous and dead easy to use. If you could buy these at shops, supermarkets—just about everywhere—I reckon people would use them.

Note: I've often not paid small amounts because of the complexities with credit cards, entering name etc. and being databased by some third-party company, etc. has made me hesitant.