On the visa and Mastercard thing I very much agree. In theory they are a business, and can chose who to do business with. But the free market pressures don’t exist to impact the decisions they make. So instead of them being influenced by customer sentiment, they are actually influenced by large organization with an agenda. That agenda is usually just a BS reason to build the organization and make specific people rich. It doesn’t represent the will of the people. So… they should be treated more like a utility. Places are refusing to take cash these days, so it is an easy argument that they function like a utility.