This is pretty basic tech to replicate if it's needed though. It wasn't needed before so we just used what was there. But crazy to think the place you spawned from 2k years ago couldn't make another basic payment system if it was important lol.

It's not a technical problem (well, it is, but not primarily). It's a social problem. Replicating a technology is one thing. Getting thousands and thousands of organizations to migrate is in a whole different universe difficulty-wise. The costs would be astronomical.