We need Congress to pass legislation that creates an open standard. The issue could be forced by passing legislation at the state level, too. That may be difficult though, as interstate commerce clause might come into play. But states where citizens can get initiatives on the ballot would be one way to start the fire.

And yet what can we do when there's practically a duopoly

I use cash for most ( <$20 ) daily purchases.

It's a small thing, but it's one of the few things I can do to push back a tiny bit.