Clipboard is provided by the OS, but application chooses how to integrate with it.

When you select text and hit ctrl-c or click copy in the context menu, it’s all done by the application. And it may choose to remove/disable this feature.

That’s exactly why shower/sink pissers do it. They love the smell.

The advantage of Visa/Mastercard is that they work anywhere.

Europeans are rich and like to travel all over the world, so they want their cards to work everywhere too. Or order stuff online from abroad. Why bother using some local payment processor that barely works if you can just use your Visa card?

Independent payment systems only work in countries that are poor (where people don’t travel or buy stuff from abroad) and/or isolated by sanctions or internal restrictions.