I did a payment card thing back in the 90&#x27;s with a couple of friends, during the first Internet wave. We actually got some traction and signed a few bank partners, but ultimately it is very hard to be disruptive when you require access to a massive, privately-owned network that is controlled by the same institutions you might be threatening. All you have to do is set eyes on Mastercard&#x27;s marble palace on the Hudson to know who is calling the shots in that world.