They advertise it as 'paid by merchant fees' but somewhere in a ledge or spreadsheet everyone makes a profit except the individual consumer. Maybe the prices ar

They advertise it as 'paid by merchant fees' but somewhere in a ledge or spreadsheet everyone makes a profit except the individual consumer. Maybe the prices are higher in general, maybe there are some consumers where more value is extracted than from others, but money doesn't appear out of thin air (except when you get into the whole derivatives gamble). Someone, somewhere, gets screwed over when a bank or credit company "gives" you money.