Ding ding ding. Welcome to the tyranny of economies of scale. The profit taking happens only a little at a time, spread over millions of transactions. Given you

Ding ding ding. Welcome to the tyranny of economies of scale. The profit taking happens only a little at a time, spread over millions of transactions. Given you're getting it right more often than wrong (something your analytics will tell you) and your merchants can't be arsed to leave, ignoring problems is absolutely an effective tactic. Also welcome to why I've been trying to get away from finance and failing miserably. The human cost quantification is far too high for my tastes in my reckoning of hours of suffering induced. There's some profound revelation on the nature of the great farce that "you can do anything, as long as the money holds out", but this is likely so tautologically obvious it makes very unstimulating discussion.