Uh, disagree respectfully with the last part. Cashapp you can send as low as $1 USD to someone, and I believe PayPal has no minimum amount to send funds... Also, you can micropay with your bank issued debit card as well. And now, most banks have a free peer to peer transfer option to another user with an account within the same bank. For instance, chime and SoFi both let you send $ to anyone who has a chime account and SoFi lets you do the same with anyone who has a SoFi account. Also, Zelle is a service where if your bank enrolls into Zelle's network, you can send directly from your bank account to any other user with Zelle and it goes instantly into their bank account. I believe the minimum amount is only $5 USD but don't quote me on that. Also, it is feeless.
Depends on what we mean with micropayments.
I would say if you can't send the lowest possible denomination of a currency to someone, there are no micropayments.
Also, I think what other services built on top of the banking system (like PayPal) can do doesn't change the fact that the underlying system can't handle them because of the overhead.
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