ah fuck did I really drop it a third time!? I’m sooo clumsy

I think they’re doing what you want? Where I live we basically have had this system since 2006. I can use my debit card for online banking, online purchases, in store purchases, personal transactions (for example sending money to friends, instant and free), and for public transport. No need for a credit card or something like venmo.

There’s a case to be made about privacy and such, especially the public transport part, but it is really convenient.