Can I back up to something you said?
You said that payment processors essentially aren't obligated to pass that savings along. Why do you think the government didn't mandate the passing of savings along? To me it seems like a bit of a shell game if these savings are supposed to be passed along to small businesses and then they're not. They're essentially just going to cover the operating costs or the profits of these payment processors.
Why do you think the government didn't elect to say that this must be passed along through payment processors?