I agree with you, but you cannot say that we have to set the interchange rates at 45¢ or 50¢, for instance, each time a credit card is used, instead of paying 2%, because Visa and Mastercard, the credit card issuing companies, have established their rate at 2% for the time being, but there is nothing to prevent it from rising to 3%, 4% or 5% overnight. There is no competition in this field, there are only two players. Obviously, if the goal is profit-making, they work together and there will be no competition between them.
How can you expect there to be competition between merchants when credit card issuers can do whatever they please, when there are no regulations and when we accept that market rules remain unchanged? It doesn't hold water. We must regulate, and do so straightaway because credit cards are going to force merchants to go under because of costs.