Brazil's government-run payments system has become dominant

Sometimes there's no point in having market solutions. You need one thing that works for everyone and is free. It's cheaper and easier this way.

The worst is a market facade for a government service. Examples in the US:

- Weather apps: various governments do the (very expensive) computing and provide the data for free. Private companies insert adds, or charge you. I use Yr, which is run by Norway and has no adds or fees. They are just sourcing public data [1].

- Taxes: the government does all the bookkeeping and enforcement, tax prep industry copies and pastes numbers into forms it lobbies to obfuscate.

[1]: https://hjelp.yr.no/hc/en-us/articles/360004008874-Weather-f...

We had the same in The Netherlands. Several weather apps that requested to share all your data with a bunch of partners, had ads, etc.

Then our national weather institute launched their own app without tracking or ads, and the existing weather apps all immediately joined up to sue them over it. Thankfully they lost the case.

https://www.rechtspraak.nl/Organisatie-en-contact/Organisati...

Same happened in germany but sadly, dwd (the national weather service) lost. They _have_ to take money if you want their weather app.