I'm not sure about that. Don't forget that Visa, Mastercard, Stripe and PayPal are onboard. And there are more to come...

Think about it: any places (physical or online) where you can currently pay using a credit card could soon accept Libra. Any online site currently accepting PayPal/Stripe could soon accept Libra too.

This may be a huge game changer. And this is not science-fiction, WeChat Pay is exactly that in China.