> Do you truly believe that when you'd make the decision to categorize a transaction as such, that decision would hold up in court, beyond a reasonable doubt, every time? If not, then you have no place making it

What if I want to start a vegan credit card that only allows payments to vegan businesses? You're saying that should be illegal?

The best compromise is to not have one and fix the actual problem instead of trying to fix side effects: make it far easier for companies to enter the space and with thousands of payment processors you'll very likely be able to find a company that is willing to process your credit card payments.

The real problem is a few huge players with near monopoly control.