That's what I was talking about - even if they aren't charging fees, they're involved. There's plenty of cases in technology where "but we don't do anything wi

That's what I was talking about - even if they aren't charging fees, they're involved. There's plenty of cases in technology where "but we don't do anything with your data!" is not a good enough excuse. Many of us still argue for decentralization or federation or user controlled data, etc. Similar concerns I have for visa.