My experience with students (outside of engineering) is that the most common show stopper for MacBooks is price. They’re not nit picking about keyboard backlighting.
Most people have no problem using a keyboard in the dark or with light from the screen.
Backlit keyboards are a nice-to-have, not a showstopper.
Plenty of people work in dark or dim places, like school classrooms, where backlighting is great and RGB lighting is useless.
That you seem to think everyone shares your needs and goals makes you a far less effective participant in these kinds of discussions. Maybe think for a bit before asserting what people who care about backlighting need it for and don't.
The merchant/processor/issuer network with all the correct incentives is (nearly) impossible to replicate. Visa and Mastercard work more or less, perfectly.
The only entities that need/want "instant, non-recourse payments" are fraudsters.
In the EU countries with local instant bank payments schemes they are much more popular with consumers than credit cards when paying attrusted merchants, who in turn pay around a quarter in fees of what they'd have to pay for cards. No need for expensive credit cards schemes in Europe any more.
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