I don't disagree with your objective, it's the path you are taking to get there. Legislating obedience is authoritarian and is solution that many people love d

I don't disagree with your objective, it's the path you are taking to get there. Legislating obedience is authoritarian and is solution that many people love due to its simplicity. Regulators love working with large businesses like your card duopoly, I don't think you will see much improvement.