Payment processors and banks lobby for control over this.
As usual, a service/product is bad because no one is allowed to create a better alternative, this is an almost universal rule.
Specific to this case: the government is included in the list of parties not allowed to make it better.
> the government is included in the list of parties not allowed to make it better.
The government is the only one capable of changing the rules to be included in the list of allowed parties to make it better.
And the only ones capable of making the government change these rules are the oligarchs who pay them to change the rules.
Do you mean in Canada or is this also the case in the US?