Payments should be treated like a public utility services, so that they cannot deny customers or uses that are legal. It is a bad idea to let any private service that is so widespread and fundamental to function as a proxy regulator of speech.

This problem was very apparent when Wikileaks faced a payment blockade a decade back (https://www.commondreams.org/news/2012/07/18/wikileaks-break...). We are overdue to reign in Visa and MasterCard, just as we are with giant social media common carriers.