Comment by whateveracct

You're being too first principles here, for one. These giant operations have coarse rules because they are giant. Coming up with a single counterexample is not compelling. Coarse rules are inherently going to have false positives. That's a feature not a bug - regulated entities can't risk racking up offenses due to their automations or policies being too lax. Sooo..you did not "gotchya" anything with your comment.

Secondly, I was talking about categorically changing how we treat MC/Visa. If you are going to change their class of operation, something has to give. And it gets complicated.