Very good read. you should check out www.yen.io the worlds first MEX Metaexchange for cryptos. I agree these large transaction based companies like Master Card and Visa have too much of the market cornered. Here we are in 2019 and Satoshi Nakamota's creastion Bitcoin is leading the world in Cryptocurrencies currently at $3600 per BTC. BTC has proven that crypto currencies are a viable vehicle for handling peer to peer transactions with the middle men or without the master cards.