EFTPOS for personal accounts

What if we …had it people could use EFTPOS for there garage sale market shall or on the good normal banks only allow businesses this includes mobile payments to you or there fancy add ons no thought for the normal everyday people wanting to buy that don’t have cash on them Dosh has a QR code system for this but it would be good to use NFC to receive payments as well or an add on to allow for EFTPOS the systems are cheap it’s just the software and backing by a bank the severs and payment routes etc …