Considering that for each scam a transaction fee i.e. 1-2% goes back to one of major US bank or card processor, they should re-calculate the scam amount and imp

Considering that for each scam a transaction fee i.e. 1-2% goes back to one of major US bank or card processor, they should re-calculate the scam amount and impact it has, as all the scams here are supposedly digital. Plus, since all the transactions go through reputed banks why isn't there a decline, it has been happening since a decade now.