Amazon, Apple, Google, Intuit and PayPal are lobbying for national regulation of money transmitters to solve that problem. They have a lobbying front, "Financial Innovation Now", for this.[1] What they want reads like a giveaway to the "payday loan" business, though. They want federal preemption of state usury laws.
[1] https://financialinnovationnow.org/wp-content/uploads/2017/0...