I agree that not all banks are unethical whether by choice or regulation. I was specifically calling out a type of credit card service. Even if the tech behind

I agree that not all banks are unethical whether by choice or regulation. I was specifically calling out a type of credit card service. Even if the tech behind credit cards changed the predatory services would still exist. Whether you use a card, cellphone or some future tech they embed into your skin to access an account they still exist to get you to pay interest on debt.