Google ran a huge push to get these into schools too… There was a LOT of pressure on Schools to adopt from various partners (or at least that happened in the UK)…

Google is aware of the Microsoft gains from getting people used to their products at a young age…

Do we all need a competitor to Alphabet/Google? I’d say yes, I don’t think Alphabet is behaving fairly.

Santander and Caixa are perfect examples of how to terribly handle fraudulent payment disputes. I worked in the industry is it’s kinda well known they don’t even follow scheme (Visa/MC) requirements and when you ask them to escalate to scheme they gaslight you.

Knowing this is the hoops you have to jump through in .es means it makes sense they don’t have a robust anti-fraud process outside of .es.