[stale2002]

And yet here we are, living in a world where PayPal, visa, and MasterCard are successful able to censor lots and lots of people.

So, by definition, this is a problem.

We would no longer have a problem if we get to the point where a single company censorsing your transactions is no big deal because a dozen others will immediately step up in their place.

But we don't live in that world, and so because of this we have to recognize that there is indeed an oligopoly problem.