Before, the American economy has been built on excess consumption. Assuming that the rising tide lifts all boats, rewarding and encouraging excess consumption helped everyone, not just the wealthy. That's almost the opposite case when most goods purchased are now overseas imports. If the model doesn't make sense anymore, it should be replaced. Remove the ban on charging based on payment method.

Stripe is relevant. If customer and merchant incentives are aligned, I would say Stripe probably just wants to have low or minimum interchange? Have I misunderstood?