OP wasn’t defending VISA policies, they were just realistically describing how taking on CC circuits with this premise is a risky approach that tries to fix a problem potential customers don’t have.
What you are saying is in a completely different domain.
Personally I think you’re right, but the only way to solve that is regulating the payment giants as a public utility, not picking a fight against a business model that is a lot of things, but not broken.
I literally said it must be regulated. Depends what you mean by broken: for the business owners it’s not broken. For the users? Sure, but they are not stakeholders in the business. They are stakeholders in the society that an excessively successful business model is affecting negatively, hence: regulation.
Only if Visa/MC agree with the item being sold though.
Be careful to not get hobbies that some religious pressure group hates. Today sex, maybe tomorrow rock climbing or fixing your own motorcycle.