I keep waiting for the government to realize that "payment processors" have far more power to regulate the monetary supply than the federal central bank does. We've handed over the majority of transactions to these groups that charge a percentage based, I suppose, on the notion that transferring a larger number over a wire is significantly more difficult than transferring a smaller one. So if they want to set the nations monetary policy, they will. Want to increase the supply of money? Good luck if the payment processors decide to bump their cut up to compensate. Want to decrease it? Good luck when they bump their cut down to keep things as they are.