> Wasn't it that the creators of

I don't know? Was it?

> With a standard, those fights would be over and users could start paying for everything.

What prevents anyone from making a standard? Why do we see standards for everything else but this? What would the standard entail?

I think the real issue here is that payment is a hard problem, open payment systems like bitcoin is horrible to use, and closed payment systems like visa is closed due to trust and security concerns.

To me it seems like the author is just dismissing the inherent complexity and accusing the people who put in the time to standardize the protocols we have of being incompetent. This is not worthy of hackernews.