This is the very nature of two-sided markets. This is why two-sided markets are so different from what we see in the economic textbooks that we all teach.
You possibly are right, and I think the remedy, the way to fix this problem, is through the competition authorities, which is why I was pleased to see that the Canadian Competition Bureau is looking at this under the very specific element of the Canadian Competition Act, which is the abuse of dominant power, abuse of a dominant position. You correctly say that Visa and MasterCard have a dominant position. They're different from the shopping mall. If they're abusing that—and we don't know if this is the case yet—then the competition authorities and the Competition Tribunal should penalize them. But if they're not abusing it, then I would suggest this is the nature of two-sided markets, in that because you've built up your platform, because your platform is valuable, because people have to use the platform, some people will be subsidized and the other side will not be subsidized.