Well that too, but there’s plenty of money made off the transaction processing fees. My point is that if you want to make comments about a complex system, that

Well that too, but there’s plenty of money made off the transaction processing fees. My point is that if you want to make comments about a complex system, that you can’t just take one component of that system and ignore everything else. If you wanted to make claims about what income brackets contribute what revenue (and what liabilities), and to who by using credit cards, then create a model to show your work. Focusing only on one component that you might find objectionable isn’t enough to draw such a conclusion.