It's decentralized crypto, or corporate controlled payment systems such as apple pay. Fiat is already controlled by corporations and the central banks.

Calling something conditioning, is in itself a form of conditioning. One in which a warning, can be shaped to be viewed as collusion. Thus making you hate your allies and go against your own best interests. Those aren't merit based arguments, but emotionally driven ones.

"""stakeholders""""

Or to say, getting paid money for having money. It's called P.O.S for a reason.