> (3) could be replaced with better consumer protections or smoother small-claims process. Doing that doesn't actually depend on eliminating Visa/MC, so the fa

> (3) could be replaced with better consumer protections or smoother small-claims process. Doing that doesn't actually depend on eliminating Visa/MC, so the fact that it hasn't been done suggests that there are other barriers. If you want to argue that eliminating Visa/MC will also eliminate those barriers, some details would be nice.