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I like this take. Payment processors provide a service to both customers and businesses and should get paid, but, the MBA crowd never stops short of anything they COULD get, so they gamify consumers (rewards) and threaten business (nice revenue stream, would be shame if anything happened to it). As a layman l, that’s how I see it. Someone in biz can probably give better detail.
You comment inspired this thought: The older I get, the less I have faith in psychological support making us whole. I still think it should be part of work like this but the damage can be as permanent as losing a limb. What is that worth in money? (hypothetical)