Maybe it’s naive to think that that we can legislate those two options into existence where a company can pick an option (and maybe even switch between them under some circumstances), but it would be nice to see a “free market” finding one that most efficient without everyone being forced to just use one.

For Visa, wasn’t the latest OnlyFan thing that payment networks almost forced them to self-destruct due to some morality rules? That would be a bit too restrictive for “carrier” case I think…