that does sound confusing .. there are too many bad associations with that word.
what use is "crowdfunding" if nothing accepts cash?
(which STILL seems to be the only sane payment method)
the idea of handing out credentials that give access to bank accounts just to pay for something makes me puke.
nobody should EVER be asked to do that!
as for any other forms of online payments - no use because users can't trust the operating systems or even the hardware anything runs on.