Spyke

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Infrastructure

Sweden also stopped investing in infrastructure in the 1980s but not because of privatisation. It's just very expensive. Now everyone one is blaming each other when everything breaks down, especially politicians that are no longer in the government. There is no "accountability" for the government.

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Mastercard/Visa’s control

No. In Sweden, 99% of all payments are cahsless. Most stores don't even take cash anymore.

We still have plenty of (digital) options for payment in addition to Visa/Mastercard.

In my view, it's actually the opposite. The more digital paymenst are used, the higher the incentive to create a competing payment solution. Swish and Klarna are taking over more and more here.

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That's not how Apple works at all. They have had iMessage for a long while now and refuse to open up the technology. They want to monopolize the communications so that they can keep controlling it.

My guess is they are just trying to sabotage any attempts at an open standard.