Its also a concern btwn the end user and the card. Credit cards, bc of the inherent line of credit and their ability to accommodate you into a large amount of personal debt, free the end user up to become a consumer beyond their means. Debit cards don't. I think a lot of what you're talking about, in terms of payment issues in the US, stem from this.

We're spending money that hasn't been earned yet, and there is a lot of space to disrupt that as the industry is held by legacy companies who give out credit.