The real issue is that Visa and MC have too large a share of the payments pie. Their greed, especially Visa's, is boundless.
Renting money is yet another way to exploit people and concentrate wealth.
Vote with your actions, on ballots, and sure, with your wallets (I'm back to using cash predominantly, and being okay with less convenience), just keep in mind that "vote with your wallet!" as the dominant mindset is an oligarch's wet dream.