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.
On October 21st, 2024. See this statement in context.