I'm not american. I'm commenting on my own country.

As I said, I'm not defending credit card companies here. Just pointing out the fact that there are problems with pix. It's not the silver bullet people think it is.

And yes, it is worse when the public sector does it. You can actually use the government to fight the private sector when it screws you over. When the government does it, then it's just the system working as intended.