Basically, you're saying that the government didn't do enough consultation, so we find ourselves today in the situation you described to my colleague Mr. Perkins. Costs may have gone down in part, except that, because the government did not hold enough consultations, it was not able to get an overall picture. Stripe, for example, said that it wasn't going to lower its fees, and that it might even increase them. As a result of the additional costs, the fees for its services are increasing. At the end of the day, there will be no real gains.
The funny thing is that the Prime Minister posted about this on X a few minutes ago. I'll bet you $100 I won't find it, but he basically says that his government is very proud because, when you buy a coffee at Tim Hortons or elsewhere, it's important that the money go into the pockets of SMEs. However, based on what you said, that's not necessarily what will happen.