I recently became aware that the cards called point cards, that is, that allow the holder to accumulate points, cause many problems to merchants who are invoiced higher percentages for purchases, with no discussion or negotiation. This means that they are at the mercy of the financial institutions and obviously, the additional costs entailed are passed on to the consumers without their knowing it. The consumers may think that they are benefiting individually from this system, but all consumers are affected subsequently.
Is this the type of thing that concerns you as well and that you could help rectify by issuing notices to the Department of Finance?