On Friday, Ward Christensen, co-inventor of the computer bulletin board system (BBS), died at age 78 in Rolling Meadows, Illinois. Christensen, along with Randy Suess, created the first BBS in Chicago in 1978, leading to an important cultural era of digital community-building that presaged much of our online world today.

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I don't really have a problem with people using whatever system they agree to when chatting or sending payments. My primary problem comes with the assumption of these systems being a part of another's lives and the reluctance people seem to have to using alternatives. If I tell a person I only have email, why do they recoil at the idea of using it? They have it too! The same goes with SEPA. If you ask what payment system I use and I send you an IBAN, the only reason not to use it is if your bank is not a Euro bank, in which case we can discuss an alternative. Just please don't assume that I have or want to use the same platform you've opted to lock yourself into. It adds a lot of friction to everything if you always start the conversation with non-standard solutions.

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