I could see something reasonable being a surcharge for allowing access to an "archaic" system - however then that fee should be subsidized to the business, by t

I could see something reasonable being a surcharge for allowing access to an "archaic" system - however then that fee should be subsidized to the business, by the centralized organizations, as such "archaic" systems are necessary mechanisms to counter potential tyranny-captured of centralized systems by very bad actors.