We’ve had this in Australia since the 90s at least. All debit cards are dual network: They support both Visa/Mastercard, as well as the local network (called EFTPOS). EFTPOS is noticeably cheaper to process - around 0.3% fee, compared to ~1% for Visa/Mastercard debit in Australia, ~1.5% for credit, and ~3% for Visa/Mastercard in the USA. The profits stay in Australia rather than going to a US company.

That’s only for debit cards, though. EFTPOS doesn’t support credit cards.

I see it a lot, too. Reddit’s been around for 20 years, so all the good usernames are already taken.

Companies are throwing away old hardware (like 8th/9th gen Core i5) that’s perfect for running Home Assistant. See if there’s an e-waste recycler near you - they might let you buy an old system for a nominal fee.