OpenAI is on the verge of becoming the Visa of artificial intelligence. Visa’s success wasn’t just about building a payments network; it was about creating barriers that locked in customers and locked out competitors. And just as Visa faced threats from national payment networks and tech giants, OpenAI must contend with competitors like Google, Meta, and Amazon.In 1958, 60,000 Californians got a fully working credit card in the mail. It was the first unsolicited credit-card drop, and it led to m...