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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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