Unfairness would be something to care about if it was a rich market with several small companies competing in it. It's not something to care about corporate monopolies.
No, they should not have the right to choose how they want to operate. All those risks you mention only exist because they choose to keep them around as an excuse to why they are necessary. They refuse to modernize their systems so it works, and they should not be allowed to keep that option.
(Honestly, IMO they should just be terminated and replaced by some public service. But if you want to keep them, they shouldn't have that kind of freedom.)
No, they should not have the right to choose how they want to operate. All those risks you mention only exist because they choose to keep them around as an excuse to why they are necessary. They refuse to modernize their systems so it works, and they should not be allowed to keep that option.
(Honestly, IMO they should just be terminated and replaced by some public service. But if you want to keep them, they shouldn't have that kind of freedom.)