Is it OK to blame consumers for granting the Visa/Mastercard duopoly control over our spending habits? If a card network doesn't like a company, they can kill i

Is it OK to blame consumers for granting the Visa/Mastercard duopoly control over our spending habits? If a card network doesn't like a company, they can kill it (unless the users are motivated enough to use bitcoin, which only happens when you're facilitating illegal trade a la Silk Road). Intricacies of Visa's policies actually ended up killing a well-funded startup I consulted for.