Well i wouldn't disagree with any of that but I think you're suffering from group think.

If i want the experience of feeling better about what I've just bought, I'm going to buy something from a vendor that gives a shit and can prove it to me in a way that persuades.

Delivering the feeling of being a better person as the result of an exchange, is more than just about payment media and POS equipment. It's about a brand and what it stands for and that's all about currency - as i keep saying.