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There should be a protocol, which all browsers have already implemented that lets me click a little button and send money from me to the person/org/persons operating a website, without either of us needing the others personal info.

In 1872 you could do this over a Telegraph.

And for the last 10+ years we’ve let cryptocurrencies runs scams, remake the fintech landscape, and take billions of dollars to build something that never once got close to this?