It's just so very much important to avoid monopolies or duopolies ... or any market actors having too much dominance. I seriously got my eyes opened when two companies could just decide "we don't like Wikileaks, and will no longer serve this company", and whoups ... 90% of their income vanished.
Some 20 years ago I would expect Norway to be one of the first countries, as we were relatively early adopters of debit cards (and our national standard BankAxept - also a monopolist, but at least very much cheaper to use than visa/mastercard). Today I'm happy that we're mostly still able to use cash here in Norway (even if it's quite rare). In Sweden one cannot buy beer in the pub without letting Mastercard/Visa know all the details. I observed this sign in Stockholm late Friday night:
