I like this take. Payment processors provide a service to both customers and businesses and should get paid, but, the MBA crowd never stops short of anything they COULD get, so they gamify consumers (rewards) and threaten business (nice revenue stream, would be shame if anything happened to it). As a layman l, that’s how I see it. Someone in biz can probably give better detail.
X-Men: Emo fictional characters driven by the need for episodic sales with scientifically impossible abilities. Sure!
Sorry. Traumatized by my childhood best friend’s Marvel obsession.