We have the same analysis that anything that blocks the acquisition of innovation is a problem in Canada. It could be regulatory. It could also be that we have systems that do not press for competition. We'll argue that the fees that are charged by financial organizations may be too high.
Before you get to a restricted market with a fixed price, just make sure that the competition is strong, and you're going to have new technology that will challenge the models that exist right now on all fronts.
I would say, give the regulatory agency the mandate to clear those technologies as quickly as possible. Make sure that the marketplace is at the forefront of new technologies, and competition will do its job.
The merchants will all switch very quickly to a new application that will save them money. It's really the marketplace that has to be fixed, and not the pricing itself.