Traditional payment networks have been a cash cow for decades—merchants hemorrhage billions annually in processing fees while consumers get nickeled and dimed too. What if there's a policy shift brewing to disrupt this? The math is compelling: enabling crypto-based payment alternatives could unlock over $100 billion in annual savings for merchants alone. Beyond the economics, there's a deeper question about modernizing infrastructure. As blockchain payment systems mature, they offer merchants lower costs, faster settlements, and customers enjoy reduced friction in transactions. It's not just about replacing old rails—it's about building a more efficient financial layer. Whether institutional adoption accelerates depends partly on regulatory clarity and mainstream acceptance. Either way, the pressure on legacy payment models is mounting as alternatives become more viable.