retep, with your design, no more then 5 payment processors will have 80% share of all bitcoin transactions because this is how things work, you can take the clue practically from any other global market consolidation. So what is the point of having decentralized validation system if a user has to choose between 5 centralized solutions to make a transaction?

EDIT: just realized that some people may not understand the consequences. It will be super easy to regulate those payment processors and enforce arbitrary rules about what people can or can't do with their money.