I learned recently FedNow is a payment processor ran by the Federal Reserve, with a fee of $0.043 per transaction. Making it much, much cheaper than every other payment processor out there.

It just launched two years ago; I'm wondering if this might become more of a thing moving forward for digital payments.

Criminals-enabling is what they call VPNs, E2EE encrypted communication etc.

more and more good people are being called criminals

Cryptocurrency is still dependent of a pyramid scheme and criminals-enabling.

As we all know, Visa and MasterCard have never been used by criminals. As soon as a criminal touches a card, the card turns into ash.

Yep, but cryptocurrency isn't dictating what you can spend with it...yet at least. So if no government does anything to help us, then we must adopt a cryptocurrencies like Monero to fight back against censorship as nothing more than a private citizen.

"We should restrict the free use of oxygen because terrorists can breath it to sustain themselves."

C'mon. Crypto has issues, but this ain't one of them. Pandering to people's fear is how fascist seize power for themselves and perpetuate the horrors we feared in the first place.