Not that I should have to educate you on the 'real world' I'm feeling particularly empathetic toward you tonight... stop being naive otherwise you'll be just another fluff machine regurgitating (more) nonsense.
The below looks like they might have some very bad global form... some (legal counsel) might call it a conspiracy to defraud consumers. Surely they wouldn't make up tales to suit their nefarious objectives.
https://www.reuters.com/business/finance/visa-discloses-further-demands-us-doj-over-ongoing-anti-trust-probe-2023-07-26/
ASIC v ISX Hearing, page-2505
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