1) businesses can't just close down for several months because of waiting for the result of a war. Imagine the Visa network being down for multiple months and businesses ...
2) can't accept any payments in this period. I think Visa would have lost their customers after that.
Yup But in theory everything can go on during this kind of wars, the whole ecosystem and the people are just no ready for such things I think. But in 200years it will be common