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> The credit card duopoly is another instance where the EU has done a good job with regulation, [...] In the EU, card payment fees are capped at 0.2% for debit cards

No it hasn't. The right cap is 0, like in Brazil. It doesn't make any sense to have 0% payment fees on cash and 0.2% on cards. Cash is easier to fake.

It also doesn't make any sense to be a percentage. It takes the same number of bits to transport the number 10000 as it does to transport the number 10.

Even 0.2% is essentially just a privatized tax.



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