Potentially, but on the other hand, card disputes are a thing and I'm baffled as to how little people know about them or have misunderstandings such as them only being available for credit cards (the law may give you extra protections there, but the standard Visa/Mastercard dispute rules apply equally regardless of whether it's debit or credit).

Just like Uber and similar Silicon Valley scum gets away with this because they have a monopoly and can do as they please, so do the card networks - and the card networks are on your side in this case, so use that to your advantage.

Right, and reckon I'm no exception.

One of the principal reasons why we have democratic governments is that they are there for the protection of the citizenry.

The trouble is that by the time governments venture into these murky areas much damage has been done. Here, the problem is that no one has spelt out the details in advance —i.e.: what the ground rules are and the consequences if they are broken. Alas, governments are never proactive in many areas where they need to be.

There's just so much going on in modern life that we can't expect citizens to keep up with everything that's going on. We need short, actuate and informative one-liners that people can check before and or during any operation that they're involved in. This ought to be the role of government.