Get all documentation for the unpaid time periods. Then get an attorney to sue them for a history of unpaid wages.
Not especially comforting, but it does signal that interchange issues are far from solidified at this point. The infrastructure did not exist 20 years ago so the fees justified the risk. Today, the merchants can use the same infrastructure and also now have closed loop payments well tested.
At a very high level I think we are going to see two types of payment groups: 1)ubiquitous, Private, Open loop and 2) relationship, value add, closed loop. Visa like vs MCX like. Some consumers will want privacy and universal use, while others will want a relationship with the merchants (and receive extra value).
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.