Jeez people, at no point did I say that banks / credit card companies were perfect. Far from it. There are N+1 ways transactions could be improved, and each on

Jeez people, at no point did I say that banks / credit card companies were perfect. Far from it. There are N+1 ways transactions could be improved, and each one probably has many reasons why "it can't be done". I don't feel like getting into all of that though, because it would take forever.