Right because my Nokia 6610 always flawlessly handled VISA/MC transactions
I don't know what you mean by that because Visa/MC haven't done anything like that (yet). My point is that there's really little chance for any other middleman, whether it's Google, Apple, or anybody else to make themselves into an industry standard, because it's always going to be more expensive than using a top tier merchant processor that can give you Interchange Plus a basis point or two.
Paypal is a cute little thing for informal, small transactions. It's an unregulated, untrustworthy service that is still primarily used on eBay. It's not at all what