Brown Bear - I'm not trying to call myself an industry leader for this. BTW, don't be fooled I would go out of business from this. I'm just trying to 'control' this situation. I'm not FORCED to do anything
I'm seeing this as an oportunity to make a change that will probably be followed by many because it should be and is in some ways EXACTLY what the card associations want.
You are confusing need / survival with the passing of an opportunity and attempting to reverse some wrongs that have been done.
See it how you will - I know my reasons