This is what pains me the most: the fact that PayPal is considered the biggest standard, when they are really terrible.<p>Netherland has proper internet payment infrastructure called iDeal: it goes directly from one bank account to the other, with no sleazy middlemen in between. That&#x27;s what the rest of the world should be using, but Netherland just doesn&#x27;t have the weight to push its solutions on the rest of the world, so we&#x27;re stuck with crap like PayPal, Visa and Mastercard.<p>(I suspect many other countries also have well-working payment systems within their borders, but none have any international reach. I&#x27;d expect that SEPA would lead to a reliable internet payment system on a European scale, but that hasn&#x27;t happened yet.)