I don't know how to answer the question from an ethics perspective. However, I often find it unfortunate when complicated issues are simplified to a point where they can't really be understood for what they are. The thing about the market for payment processing that I think is understood by experts.... I mean, the Competition Bureau put out a report a few years ago on innovation in the financial sector, and one of the things that report said is that the market for payment processing is quite competitive.
