There's also 4) too much ability to stifle competition from lawful but controversial individuals. On top of your plug in standard, promote reasonable and nondi

There's also 4) too much ability to stifle competition from lawful but controversial individuals. On top of your plug in standard, promote reasonable and nondiscriminatory access as a requirement for payment processors. That way, controversial (but otherwise lawful) individuals would also be able to compete without interference.