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评论总结
根据评论内容，总结主要观点如下：
1. 对Wero/iDeal的积极评价 - 评论1（vrganj）认为iDeal在比荷卢是电商首选支付方式，对Visa/Mastercard的威胁大于数字欧元。关键引用："iDeal is amazing...it's the go-to payment option for ecommerce"；"a much bigger threat to Visa and Mastercard than the oft-promised digital Euro" - 评论3（jabiko）体验良好，扫描二维码后银行应用确认支付"snappy"，无等待。关键引用："scanning the QR code and acknowledging the payment...worked without any issues"；"a very 'snappy' feeling without waiting for any of the usual spinners and redirects" - 评论10（anticrymactic）强调Wero基于SEPA系统，无需账户、不受美国公司控制。关键引用："built on the excellent SEPA system"；"No account necessary and no private american conglomerates can delete that account"
2. 对Wero的质疑与批评 - 评论4（dinkelberg）认为Wero只是普通银行交易加高额费用，不如免费技术。关键引用："It's just regular bank transactions with a much larger fee"；"We could have had EPC QR codes and similar completely free technologies instead" - 评论9（marginalien）指出Wero短期内不会威胁信用卡，增长不会呈指数级。关键引用："no threat to legacy credit card rails (Mastercard, Visa) for many years"；"The industry doesn't expect hockey stick growth" - 评论13（tacker2000）担忧Wero缺乏PayPal的买家保护。关键引用："I always use Paypal because they have buyers protection"；"Would like to see if this is also offered in the Wero ecosystem?"
3. 与其他支付系统的比较 - 评论5（CJefferson）称赞中国微信/支付宝的二维码支付体验，尤其适合小摊贩。关键引用："scan their QR code, I enter how much I want to send them"；"They never get my details, I don't have to trust they didn't fat-finger the price" - 评论16（iagooar）推荐波兰Blik系统，6位动态码支付便捷。关键引用："generate an ephemeral 6-digit code in your banking app"；"Works P2P with phone numbers, too" - 评论8（TulliusCicero）抱怨美国支付系统碎片化。关键引用："God I wish the US had a digital payment system that we could all basically agree on"；"Apple Pay vs Google Pay vs Zelle vs Paypal vs Venmo...annoying as hell"
4. 对欧洲支付生态的展望 - 评论12（mkrecny）认为Wero虽好，但反映欧洲创新期望低。关键引用："the excitement here just underscores...expectations in Europe for Europe doing anything truly cutting edge are low" - 评论15（amelius）希望欧盟强制统一支付系统，保护隐私。关键引用："enforce a payment-system agnostic checkout for webshops"；"adds a layer of privacy" - 评论19（whycome）指出德国疫情后现金支付减少，但仍有逃税问题。关键引用："Germany truly picked up cashless payments"；"still a long way to go, especially to prevent tax evasion"