Mate, a good third of the countries on that list are currently suffering such brutal ethnic violence that it might be considered genocide. Close to half are riddled by islamic terrorism, usually directed towards ethnic minorites. At least two of them are in the middle of civil wars.

There’s a not insignificant chance that it’ll be the secured creditors’ company soon 😂

To be fair, this is how people tend to react to change, generally. I remember every time Facebook or YouTube did a site redesign in the early 2010s people were always up in arms.

Jake and Amir parodied this well in their “Facebook Redesign” episode.

On the other hand, Google/Apple Pay are both pretty great products that replace a horrendous legacy payments system. Recall that for like 40 years the most innovative consumer payment system looked like this. And it was essentially a duopoly as well (Visa/Mastercard).

At the end of the day, cash is still a thing as well.