This sums up my experience with my representatives in recent years. You only get a meeting with my reps if you're a large donor or you cause enough public outrage.
Otherwise they feel no obligation to their constituents and hope that the automated form letter (in varying font sizes and colors between paragraphs) they send you in response is enough to appease you.
Do you, as a developer, want to wrangle together 20 different payment processors so you can sell shitty 100% polyester T-shirts? No.
Do I, as a customer, want to have to carry around 20 different cards just so I have a chance at being able to pay at an arbitrary merchant? No.
And do I, as a business, want to pay for the additional complexity of managing fees across so many processors? No.
So everyone actually wants the same thing: very, very few payment processors.
Well, not really. Right now we're making two separate decisions. One for what is legal to sell, and one for what you can meaningfully sell. Those shouldn't be different, so the latter decision shouldn't be happening.
This is what the end-game of unspooling government functions into the private sector looks like. The decision still has to be made, but rather than petitioning representatives to arrive at a democratic solution, we have to appeal to corporations and fight public opinion turf wars where optics and boycott pressure are the levers of change for our collective rights.