How is the iDEAL payment flow noticeably different from that of PayPal, which you call "horrible", other than that iDEAL is branded by the bank and not eBay?
With iDEAL you click on buy on your chosen website you come to the main login of your bank you use a username ( 8 random letter number combination) and a chosen password (min.8 letters + number) you then get a screen with a code. you have a little device yourself you put your debit card in you then enter a given code and it will give you the correct response for that given code at that given time. And if you remember the Wikileaks payment issues, paypal could just shut it off completely regardless if the bank cared about it or not. a service like iDEAL would not do that and let the bank decide for itself. As for direct payments in person that would need time and investment to change but it is still completely technically possible and more secure