As someone who has lives in the Netherlands, were iDeal (the less international predecessor of wero) has been available for years - yes it replaces it, so much.

And it feels easier and safer at the same time, when my banking app on the phone can just scan the QR code on the website and deal with that.

Every time I DO use paypal now, usually a foreign webshop, I get a little nervous if my account still works, because it’s been a year or so again.

This sounds like a mental trick to not get depressed about what happens in the USA

The code YOU run. If your code runs other code, that doesn’t fall under this.

“Don’t ride a car unless you know how driving a car works” doesn’t mean you need to understand the chemical composition of the metal in the motor parts