Governments are eventually going to see "a foreign company owning our major payment networks" as a national security and sovereignity risk, especially if we end up in a multi-major-power world. They'll also eventually covet the data and the ability to disable "inconvenient" business. You might see it take the form of a government-mandated account (would Visa/Mastercard have taken off at the same angle if universal, instant direct debits were available in the US?), or just providing a glidepath for local commercial alternatives. Look at what Russia is doing with the Mir card.