Unfortunately, legacy deployments have just proven too pervasive to effect real change, even with substantial incentives, especially in early card adopting markets such as the US.

Does it handle credit card payments?

Are there still cards that work without 2FA?

And authorize yourself with the banking app, and, and...

It's not less complicated than auto filling credit/debit card details with your finger print on your phone or laptop.

For consumers, Wero, Pix, and similar systems only have down sides for online use. The most important down side is that you can't reclaim your funds if you've been the victim of fraud. Which you can when paying by card.