They were useful and affordable.
Discussion
They were disrupted and shit.
And Visa and Toyota were not.
They are being disrupted. You will look back and realise they were out of date.
No evidence
It’s not evidence you need. It’s a future view.
Visa’s entire existence is about processing melting fiat government currencies that are heading to zero. Meanwhile Toyota is desperately trying to make profits faster than the government currencies it earns are being debased to zero. Both will have to adapt or die.