Right, but when you lose the case, you lose that money again, or vice versa as the business.

To many Americans and world citizens with less disposable income, you might seem kind of nutty to not worry about losing 3% on your under $15 purchases. Credit score and insurance industries are ubiquitous. For most folks if they move to another country you will often be penalized by that country's insurance or credit score agencies for not having recent history. There is certainly room for improvement.

Sure, but in the mean time,the consumer is protected, leaving them much more confident about trying new merchants, or about transacting at all.

And I'm not losing 3%, the business may be but I'm not in any way that's visible.

Further, there are new products and methods entering the market that require neither Visa/Mastercard nor a hideously inefficient PoW blockchain or multiple exchange parties.

Payments (in Europe at least) are likely to change in the near future, but not to that.

Links?

Keywords to search include -

  Payment Services Directive 2 (PSD2)
  Open Banking

This is what the EU payments industry are watching, according to my various links in that industry.