God I hate to say it, but Bitcoin fixes this (with the Lightning Network). https://lightning.network/ I am not a Maxi, but Jesus what other options are there?
Cash, checks, Visa, Mastercard, Amex, Discover, barter.
Slowly being phased out.
> checks
Already spotty usage.
> Visa, Mastercard, Amex, Discover
Censorship possible.
> barter
Viable, but foolish considering it's cumbersome and we live in an age where perfectly viable technological solutions exist. It's like having an iron but pressing your shirts between books out in the sun.