The big issue with this for me, from a personal perspective, is that it limits the circle of vendors that I will buy from.
I have no issues using Card payments on a site that I know but I have often taken a chance before with other sites knowing that I had a level of protection if it didn’t show. That is a chance I won’t take with credit/debit card transactions.
It has always been puzzling to me that we are stuck with PayPal when around the world there are a number of options. I guess it might be harder to be compliant with our financial rules and I have no idea what protection the likes of CashApp and Venmo have, although I see more and more overseas users moving to them.