UPI is dumb, change my mind

I noticed that UPI has become our nation's pride!

Love patriotism! Just think UPI is dumb!

I live in the US and use my credit card everywhere. I earn points. Its as simple as tapping my phone.

UPI involves scanning a QR code, entering the correct amount, merchant ack-ing that I transferred the correct amount. All of this happens from checking account - so no CC points.

UPI is just *reinventing the wheel*. Not a stroke of genius that deserves pride!