Okay so is Steam enough of a money printer for Valve to say "well fuck you guys, we'll make our own credit card with hookers and bingo"? And hold out Half-Life 3 (only purchasable with the ValveCard) as a carrot?
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Amazon, Walmart, Target and then increasingly unsure.
In some countries the vast majority of payments are done via phone apps for national payment systems already, bypassing Visa/Mastercard etc. entirely. Even kids pay for candy by phone.