Unfortunately rich and developed countries with an iron grip on the markets by a few billionaires that control them you see. They ensure our options are limited.

Canadians have very limited choices in terms of services. Even our grocery store shelves are bought out by major corps and local options struggle to get their products on the shelves.

As another example, our banks have no interpayment systems outside the interac system, and they have no standard apis for payment services. So things like apps for managing budgets involve downloading a csv after our billing date passes and a lot of manual work. Most banks offer their own budget apps and they only work with their services.

We have effectively have 3 phone and internet providers… or little guys that resell access to the big 3.

The monopoly man won the game in Canada.