GOOD.

I don’t know. Maybe a few weeks behind a rock with a whip behind his back might teach him to be mindful of where he is the next time he’s going to act like an idiot

Sorta. Whomever does payment on your behalf has to be willing to extend credit for an immediate transaction while the very slow process of exchanging money happens at a delay. This is especially so if the transactions are international. I truly wonder how the phone with just an ordinary bank account does this. Is it Google/Apple who extend credit? If so, is that better?