> Today, though, almost everyone carries either a contactless credit card or a phone with an NFC wallet. I would pay $0.25 for access to a clean public toilet if I could swipe one of those instead of having to carry change.

This is one of those things that gets ruined by credit card transaction fees though, right?

It is kinda depressing that after all these fintech companies and society's ~decade long scam-filled obsession with cryptocurrency, we still don't really have a good solution for microtransactions. Credit card companies still take that fixed fee everywhere, right?

It gets ruined by the government choosing to not operate an electronic money transfer system as infrastructure similar to cash.