There is a whole webpage dedicated named killed by google. It is a large organization so it's expensive to and slow to build stuff especially if they get it wrong like social media for example. The real question is why does a small business owner need a square reader with a card scanner that needs a headphone jack, Venmo, Cash App, Zelle, Apple Pay and Paypal when Africa has been able to send money with a text for over a decade. Why can't the corner store take crypto and how do these credit card networks and exchanges make so much in fees.