Well no, as a consumer you need to feel comfortable that you know how to get your money back if there's a problem with your purchase, as a merchant you need similar protections and a stable cost model, and as a bank you need an income model to cover all the costs and risks associated with processing the transaction. Moving the money is the easy part and is not the main set of problems that the card payment schemes have solved.
I made something with a similar inspiration recently: https://mwenge.github.io/blog/io10.html
The idea is that you create data pipelines and operate on each step in the language of your choice.
Arguably Psychedelia by Jeff Minter [1] has a claim to be the first software music visualiser. The algorithm is pretty straightforward [2] and I recently 'ported' it to Javascript for fun.[3]
This particular operation seemed to be in Germany - we're in another European country. She got two notices and ignored both. Nothing has come of them so far. Whatever about tweeting an infringing image, retweeting it seems like a bit of a reach.