I’ve even looked a bit on how hard (and expensive) such a “payment gateway” would need to be. Allegedly, in the US, you can start your own bank with just US$15,000 and half a ton of bureaucracy. It might be even simpler in other countries. Payment gateways are also not technically “banks” (they don’t pay interest on money deposited there), but they are also heavily regulated. And finally, they also require a good user base to be useful — after all, nobody will “trust” a payment gateway that has just a handful of users.
What would, then, be the “perfect” payment system?
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