We have alternative real time payment systems that make it very clear that we do not need a fill in replacement for credit cards.

The system we use in Switzerland (Twint) has everything you'd need for barely any fee and real privacy laws, for everything else and over border transactions there is SEPA. There is simply no need for anything else than that.

Nobody is looking to use Google pay or apple pay when we already have a perfectly fine system with way lower fees.