I never claimed that it was forcing every card to charge every person the same rate. My claim (and that of the OP) is that it decreases the ability of the CC c

I never claimed that it was forcing every card to charge every person the same rate. My claim (and that of the OP) is that it decreases the ability of the CC company to differentiate. They can still do so, but to a much lesser degree. So they can have different rates, but there will be fewer of them: it forces them to quantize, and put people with different circumstances into the same bucket.