Comment by throwaway290

16 days ago

MC/Visa do drop merchants who do bad stuff (remember CSAM on PH) so I guess they bear some of it.

their monopolies were formed in a different time, when it might have been thought prudent to drop bad merchants even if they themselves did not bear the risk in order to not get governmental regulation imposed that would be more detrimental than just dropping the merchants.

Not saying that's the case, just given circumstances not sure if risk is needed to explain the result in this case.