Least cost routing, the siren song of network tokenization, and the future of debit card payments — Imagine, for a moment, that it’s October 3rd, 2022 and you’re Patrick Collison: It’s a Monday, so naturally you’re knee-deep in Chapter VII of Book III of Montaigne’s Complete Essays, ‘Of the Inconvenience of Greatness’. Your alarm goes off. It’s 4:50 PM ET and you have a Board meeting in…