The original point was “let users access online banking and manage assets”, not whether you could “pull [it] out in the town square to make payments”. As an aside, why the town square? It’s oddly specific and is a phrase I’ve mostly read in stupid comments about Twitter in the last couple of years.

Anyway, please consider stopping trolling.

> The original point was “let users access online banking and manage assets”,

e.g. Can you pay for groceries with it like you can with a phone? Can you use it to pay for food at a restaurant, buy train tickets, or many other things are in many cases cashless.

"access online banking and manage asset" is a shorter way of saying all of the myriad of ways people need to use online banking day to day.

> a phrase I’ve mostly read in stupid comments about Twitter in the last couple of years.

I try not to read stupid content so I don't know.

> Anyway, please consider stopping trolling.

The irony.