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The institutional moats grow ever wider.

PCI-DSS still takes the cake for most oppressive rules out of all the compliance frameworks. The notion that your system might become "in-scope" is one of the scariest things you have to deal with. Avoiding this designation is almost always easier than satisfying all the controls they prescribe. Stripe & friends have it really good. I don't know who their equivalents are in the health care industry but I am certain they exist.

I despise PCI-DSS. A friend owns a small business and has a credit card reader. Due to that, we had to build out a separate LAN so that the reader is on its own precious network, and have to pay an external auditor for a quarterly scan of our external IP. Bullshit past findings were things like “your VPN server supports old encryption algorithms”. “But our clients don’t support them. They select the newer algorithms!” “But they could!” “What do you care? Those clients aren’t even on the same LAN as the scanner.” “PCI-DSS lol!” I have no way of knowing, but I bet the firewall might’ve accidentally blocked the scanning IP from reaching the VPN server port on the retest and called it a day, but surely not.

Basically, Visa and friends externalized their own shitty security and made every other company in the land responsible for wrapping their janky hardware in electronic bubble wrap. A real security framework would’ve said “don’t make a credit card scanner so weak that it can’t survive being on the same LAN as a printer”. Instead, the whole country has to waste billions of dollars mitigating that risk for them.

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