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i made a killing when i was 17 selling w32 POS software i developed in my bedroom with vb6(?) because i hit the time 1) everyone wanted the window look and 2) all the big players (with ascii art ux) were succumbing to flexLM pushing dongle licenses and they never worked.

the second this is popular worldwide, not an US curiosity, it won't be able to handle crime.

first thing I'd start is a public camera collecting face metrics and images, and then associating them with the iphone radio (plent to chose from) then criminals who steal a phone could buy the face unlock info after uploading a radio sample.

that makes it even funnier if you know how the rest of the world operates.

for the past decade most countries (china, india, brazil, eu, etc) have central bank issued APIs for instant payments.

without being a client of visa, apple, etc... anyone can instantly transter money around. some banks require an app, others allow via sms, etc.

the US seems like it is stuck in time, still swiping credit cards, and only having a glimpse of the world via toys their kids play with, until they are old enough to go back to the american way and start swiping cards.

> Chip + Signature is a dumb USian thing because merchants didn't want to change their readers to have a secure PIN pad.

there's a write up on this that i cannot find. the reason was actually that some criminal organization with ties to lots of political pacs had their money cow being fraud (or money laundering) on gas stations. so they forced gas stations to never update the pins for this very specific reason.

corruption and anti worker sentiment on all levels.

other answer is already underneath the framing that it exists and will try to justify it within the system.

all benefits, specially the few one code in law, serve to create the illusion of belonging to a different class while oppressing so you keep that class engaged in production.

so, existis for the same reason a complicated tax code does.