[hocuspocus]

If you can't be bothered to spend 10 seconds asking Google or your favorite LLM, I'm not sure why you come here to comment on the topic.

In most cases, you can't pay a merchant using a bank transfer. Businesses and consumers need payment systems. This is not particularly hard to grasp.

[nicbou]

There is no need to be rude. I am receptive to your argument and trying to understand you, but brevity is not to your advantage here. I can use Google but I do not even know what you are trying to say in the context of my original question. Communication requires both players to participate.