Comment Re:For all of you USA haters out there: (Score 4, Insightful) 378
With the payment card industry, you have a lot of people(all clambering to grab as much of the cut for themselves as they can, and shove as much of the risk onto others as they can) with competing agendas and a desire to have their pet proprietary system gain a foothold so they can extract tolls with it(eg. the incidents where some retailers with functioning NFC POS systems were deliberately disabling them because Apple Pay was a competitor to their 'CurrenC' system, and the ongoing spat between Google and the carrier-backed payment scheme formerly known as ISIS before that became a toxic brand). Nobody actually believes that "USA IS #1!!! Mag stripes RULE!"; but between everyone wanting to control the customer data and processing fees and banks, merchants, and payment processors fighting over risk allocation, it's a bit of a clusterfuck.
Compare to say, the DoD's CAC rollout: CACs still aren't what you'd call a joy to configure(especially on OSX, or in Citrix environments, or other oddball use cases); but the DoD decided that it wanted everyone using smartcards for cryptographic authentication, said that that was how it was going to be, and it was so (relatively) quickly and smoothly.
Opinions vary on how often we dodge a bullet, or get the benefit of something new and innovative, thanks to there being no mandate in place vs. how often we suffer pointless bullshit for an agonizingly long period of time(eg. the less-than-totally-compatible US cellular market); but the fact that we tend not to mandate an end to such fights all that often, or all that quickly, is simply a fact. Even when we do mandate something, it's often a de-facto 'national' mandate created because California, or another large state, demands something and it's cheaper to sell California-spec everywhere than it is to have two SKUs.