Global credit card company Mastercard has filed a patent application with the US Patent and Trademark Office (USPTO) for the creation of refund services for digital currency users. In the patent titled “Information Transaction Infrastructure,” the company hinted at its plan to explore possible means of implementing this feature.
to follow - https://cointelegraph.com/news/mastercard-files-patent-for-refund-services-for-cryptocurrency-users
Honestly I think this might get a lot of hate from the community, but I'd see it being useful. Creating an account just to buy/sell goods for crypto protects you and the other party, so theres not much to use. Obviously, I wouldnt use a mastercard-wallet for my savings, though.