Well, you could do that, but that sucks. Not just in philosophy (I don't want to download your crappy app - this applies to any country) but also in practice.
Thankfully Americans at least have enough purchasing power that the demand for convenience - just take my money with this card will keep us away from bad solutions in Europe.
>Well, you could do that, but that sucks
Only sucks for the Americans though, I think most people non American countries will be fine with that