Contextually, clearly, "widely accepted electronic money with privacy" - as since a few years I cannot make transactions online as all the decent ways are gone.

You cannot call "perfect being the enemy of good" something like "the former solution punched you in the face, this punches in the guts" - it's still "punches".

The contextual solution from the eu only affects those who accepted those credit cards - and already that is a special (while overwhelming) chunk of the population, since today they are mostly those who accepted NFC on financial cards (we don't).

In general, "perfect" is required - because today "acceptable" is not granted and it is crucial part of the details.