Cadillac Desert should be required reading for anyone involved with California water.

Clearly hasn’t read Cadillac Desert.

Check out FedNow. Basically a domestic government run payment system. Still pretty new and growing.

Fwiw debit card transaction are capped around 21 cents per transaction depending on the size of the bank holding the account. You’re right for credit cards though. Also, imho, I’ve never seen merchants pass along these debit card savings to the consumer. With they would though.

Fwiw the mayoral election that resulted in Eric Adams was ranked choice.