Not ruined, just diminished. If too much of the $0.25 is taken by fees, then make it $0.50, or $1, or whatever. In many places, there'd be plenty of business still.
replyIt gets ruined by the government choosing to not operate an electronic money transfer system as infrastructure similar to cash.
reply>operate an electronic money transfer system as infrastructure similar to cash.
replyif the government were smart they'd pass a law to do this, makes it much easier to get rid of cash