It's a case study of how you can either work to assume those costs and build them into the price of the product, rather than being willfully blind and claiming

It's a case study of how you can either work to assume those costs and build them into the price of the product, rather than being willfully blind and claiming they don't exist or should remain externalities, and maintain relationships with processors. It's also a case study of when you can just bypass them and use other payment methods. This isn't an "American solution", it's an example of ways around a problem with the industry. I'm not sure how refusing business (which, if these costs weren't real, would reduce "profits to the foreigner") is supposed to contribute to "misunderstand[ing] and even abuse." I guess I can understand why they're sensitive, but they have multiple homegrown sets of payment rails they can use. If they want to use the foreign ones they can reasonably accept that a large multinational is "less Japanese" than the Japanese ones.