OK, but you aren't dealing with a monolithic entity, and they don't care about you, but about all the people who care about the problem. Whoever you lobby (say,

OK, but you aren't dealing with a monolithic entity, and they don't care about you, but about all the people who care about the problem. Whoever you lobby (say, the politicians) need a solution. "Cut red tape, federate payment gateways" is not a solution they can implement. They can either legislate, or handball the problem to "the relevant authority". Assuming legislation is infeasible (which seems to be the case) you have to make sure it goes to the right authority. Productivity commisions will come up with a clear plan, which will feed back into further decisions. It's not an elegant solution, but you are talking about steering a ship with a lot of inertia.