[semanticist]

> who would

The financial services regulator in the appropriate country. In the UK that's mostly the FCA, in the US it's apparently the guys listed here: https://en.wikipedia.org/wiki/List_of_financial_regulatory_a...

> (or even could) stop them from raising their rates for payment processing

Using financial services regulation. It's not like they're immune to laws.

Your argument is for more regulation, not a deregulated cryptocurrency.