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Except that parts of the union are not democratic at all.

And in this specific case I kinda of agree with what they banned. And they are definitely not the only ones. Lots of financial institutions block these kind of things.

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The EU has less democratic accountability than I would like, but it is there. National governments have been brought down over their poor choices at the EU level. Even if you think Visa/MC made the right decisions in these cases, the fact that they're being made by private companies accountable to no-one should worry you.

That seems like a rather big statement to make without anything to back it up.

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