Two points: - this is how our society is structured generally, the top extract their wealth from the bottom. Credit cards specifically being this way is not an

Two points: - this is how our society is structured generally, the top extract their wealth from the bottom. Credit cards specifically being this way is not an anomaly, it’s consonant with the rest of our political economy. - Notice the responsibilization of the individual here: though the article uses the language of “systems” in some places, the overall frame is blaming this on the person using the card. Watch the tiktok video- they’re saying “when you use your card, the guy behind you using cash has to pay more so you can get your free flights”. In other words, it’s bad to do this and you’re bad if you do this. The proposed solution is for merchants to tell customers about the processing fee the merchant pays, so the customers will feel bad and pay a different way. That’s not what systemic critique is. Again, they’re using the language of “systems” but really pushing the responsibility for this onto individuals.