It doesn’t replace cards unfortunately. This is indeed as you say, instant and easy bank transfers. I think when people say it replaces cards it’s because we start to have more coutries connected by the same system and then you don’t need to pay internationally with credit cards. Edit: For online shopping, mostly

Yes! It means one more country unified by the same payment method :)

Populous! (It’s also available in GOG as part of their old game restoration)

I’m not sure exactly how it works with other OSs but Zorin also has a neat app store (flatpak, snap and others), which makes it very easy to find and install anything without command lines. Let me just add that this OS was also completely unknown to me. I was trying to install Mint in my laptop but couldn’t make it through the boot because of compatibility issues with my old-ish GPU and my neighbour suggested Zorin which simply worked without any tweaks

I’ve been using Zorin OS for about 6 months (first on my laptop and now on my newly bought gaming desktop) and I’m very happy with it! Didn’t really have any big issues (so far) with compatibility. I also find it very user friendly in terms of Windows lookalike. Gaming wise, I’ve been using heroic games launcher for non steam games and steam for steam games and I have to say I didn’t expect it to be so easy and straightforward