Which is why, despite its formal awkwardness, we have the option of the indefinite personal pronoun "one":
"If one thinks the the primary problem in payments is technical [one is mastaken]".
Personally I prefer the less formal compromise of "someone" (or "somebody", "anyone", "anybody" etc. with the choice depending on context and meaning):
""If anyone thinks the the primary problem in payments is technical [they are mistaken]".
Deserved because of the typo? One probably shouldn't make such mistakes when discussing grammar!
I suspect though that most down-voted before fully reading and comprehending that in my comment I said exactly what you just repeated - that "one" is correct, but stuffy, and that there are other, better alternatives to "you" when referring to a broader readership.
"If one thinks the the primary problem in payments is technical [one is mastaken]".
Personally I prefer the less formal compromise of "someone" (or "somebody", "anyone", "anybody" etc. with the choice depending on context and meaning):
""If anyone thinks the the primary problem in payments is technical [they are mistaken]".