The fact that credit card fees are high is not reason enough for Bitcoin to win this forever. Nothing stops interchange from switching from a % model technicall

The fact that credit card fees are high is not reason enough for Bitcoin to win this forever. Nothing stops interchange from switching from a % model technically - the costs to the issuer and the network scale on a txn basis (same as bitcoin). All it takes is banks to cap their interchange - which they can, if bitcoin ever becomes competitive?