[nish1500]

Salaries for what? Marketing? Obscene bonuses? Downtown office buildings? It is a manufactured need.

I am simplifying things but if we had a public owned payments system that wasn't a profit centre the costs would be far less.

Even within the developed world the costs are very different between Europe and the US. Your fees are paying for someone's hefty bonus and lobbying expenses.

Again, it has been proven. UPI works.