At least we have e transfers and debit unlike down south. I for one will be jumping on the first non us credit card however.

A lot of countries in Europe already have their own country-wide payment systems.

What we're seeing now in Europe is the stage where those multiple country-specific systems become interoperable and a new international payment system appears.

Canada only needs the kind of thing which has been not just available but actually dominant for decades in countries like The Netherlands and Portugal.

I think banning USA from owning our national/provincial/city news media including papers would be a higher priority, but we're not even doing that.

Canada has Interac but turned it in a for profit.

The Bank of Canada has considered a digital CAD but not started anything yet. Maybe they are taking notes?

Meanwhile, we could give biz the option to lower their prices and in exchange pass down the cards fees to customers (transparently of course, big display: Visa +n1%, Mastercard: +n2%, ...). The current system makes all prices higher but cards provide rebates or other benefits. That's pretty much a tax on the poor who can't access "high end" credit cards.