Apples and oranges.
'90s equivalent to “them goshdang tiktoks and fortnites” isn’t Half-Life and Ocarina of Time, it’s Television. The Simpsons or DBZ. Or those awful “classic” animated shows from the '80s that were designed from the ground up to be toy ads. “Impulse control” my ass, most of y’all were glued up to the TV screen like a moth to a lamp and only got consumption impulses out of it. Calling young people “brain dead zombies” is such an “old man yells at cloud” moment, look at yourself.
There’s more culture than ever being created now thanks to the incredibly lower barrier to entry. There are more incredible microtransaction-less indie games made in the last 10 years than the exhaustive library of most gaming consoles back then. Celeste, Outer Wilds, Expedition 33, Baldur’s Gate 3, Tunic…
The existence of slop is a constant across generations, and clinging to an idealized past is such a foolish endeavor, and will cause you to lose out on so much relevant cultural discourse happening right now. How many classic video games from the '90s might a queer kid growing up nowadays look up to? How many?? How many had, oh, I don’t know, a goddamn female protagonist? And don’t say that Samus counts. What a lame-ass culture to let our daughters grow up in.
The hard part isn’t processing payment… They already basically do that for themselves with the steam wallet.
The problem is getting the ability to withdraw funds from your customers’ bank accounts. That requires a commercial relationship with your customer’s bank and going through an insane amount of red tape. And there is no standard worldwide protocol for this, you’ll be starting from zero in every market by cold-calling major banks.
The only viable approach is to have an army of salespeople, accountants, and project managers to do all those individual negotiations.
The EU has been trying for years to have an indigenous continent-wide payment processor. The first attempt failed, now Wero is poised to succeed in the next few years but that’s building off negotiations that started a few years ago with pressure from the EU and buy-in from the financial sector, and still only a handful of European markets have been integrated at this point.
Now imagine all this difficulty but you have to also get active buy-in from every market worldwide. There’s a reason Visa/MC have a near monopoly on international payments in the western world, and it’s not that no-one else thought to get a piece of that very juicy pie that’s making them literally billions in profit every year.