I assume just normal credit card payments online? PayPal started because people were scared to use their card online, but now you get all the same buyer protections and insurance.
Yeah, this isn't supposed to be a silver bullet, it's more about democratizing the internet more.
I think that
Low barrier to entry
Focus on users owning their own content
Privacy is more important than advanced functionality
I.e. if you want to start a blog, it should be easy own it and host it yourself rather than surrending your content to Twitter and Facebook. Make it accessible to others who also want to surf the web without being targeted and tracked.
Basically building a set of tools to help people host content with just plain HTML and CSS, using static personal hosting and organically sharing links like the pioneer days of the web.
I think that the shift to client-side scripting, like tracking pixels, algorithmic content, infinite scrolling, targeted advertising, etc is how we ended up with the monoculture we see today.
Just disable JavaScript on your browser and 99% of those things go sway and we can support people building personal homepages again.
Isn't this the whole idea behind flatpak but everyone seems to hate it