we need to decentralize payments. an open protocol to give fiat directly from my bank to other banks. then we build APIs so that it can be automated but always within our control and easy to keep track of in our own banking apps. I think this would drastically improve the number of people that would give to FOSS projects that we regularly use. and make pay per listen, watch and read possible outside of the big middlemen/aggregators. effort on this would ripple out to all these projects.