@huppakee @SystemOfAnUp This is interesting as you point out one of the reasons that people use Credit Card Payment networks is the consumer protection that comes from credit contract legislation. That has a cost ( It costs the banks to provide the protection) which os recovered through the payment processing charges paid for by the merchant and I guess also offset by interest charges earned from the card user. But what if the card issuer could offer that protection independlty of the payment network and/or recover the cost some other way (either from the merchant or the card user)