This is a hyperbolic idea in lieu of the recent visa/mastercard stuation, but I would happily move all of my financial assets to a bank in Valve's name to avoid the shenanigans of Visa and Mastercard and them trying to decide how we can spend our own money while they reap a 3% transaction fee. Hell, I'd pay an extra 1~2% service fee if there were a means to use money in my valve account over my Visa and Mastercard accounts in day-to-day purchases -- the cashback on most credit cards is laughable and I'd make more if there were a modest 5~10% discount on steam purchases while Valve accrues interest on the assortment of my other assets. I imagine I am not the only person that would take advantage of the option.

I'm not sure if this idea is feasible, but I think Valve is the only company with enough weight and 'eff-you money' in the industry to say "fine, we'll take their business." Please consider the following and community you have is substantially more supportive than most. I cannot begin to fathom the logistics behind setting up a new payment system, but there would not be multiple payment processors today if there was not an avenue to establish a new one.