That may not be leveraging, and I would caution you that in the U.S. there are rewards on debit cards, which we have not heretofore had and we are starting to see now.
When you issue rewards—air miles, tow trucks, everything, and now 1% cash back—as those rewards increase, the fees tend to go up, because someone has to pay for them. That is part of the cycle. It's not the only part of the cycle, but it's an important consideration in looking at these markets, which makes them so complex.
The credit card companies want you to take their credit card and they issue you rewards, but some of those costs are passed on to the merchants.