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The problem is they are going beyond what’s illegal and cutting off usage/content they just don’t like for whatever reason—see the vampire porn example in another comment, wikileaks, etc.

Do we want unaccountable monopolies making decisions about who can access the financial system and who can’t based on their own subjective values?

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I mean there are certainly alternatives to Visa and Mastercard. Credit cards aren't the only way to pay for goods and services. PayPal and Crypto being the most common. For personal transfers there's also Wise (which you can do person-to-person instantly), and if you live in some countries there's stuff like Interac E-Transfer for making personal payments. If worse comes to worse there's bank transfers and ACH, which are accessible from virtually any bank.

I see Visa and Mastercard like Facebook, Twitter and Instagram and they seem to have the right to refuse service to anyone they want to.

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