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Visa and MC make money no matter what. They make money on fraud, they make money on legit orders, they make money from merchants and they make money from customers. They cant lose.
The fact of the matter is this situation will NEVER change until merchants stop accepting credit cards or until government regulation prohibits these practices. Neither well happen, as ceasing to accept cards is certain death for any online business.
When someone makes a better system, this bullshit will end. Until then, everyone is crying about a system that cannot be changed or fixed.
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