[jen20]

> in court, which is the appropriate venue to decide who is right or wrong in a transaction.

Hard disagree on this - it makes the asymmetry between individual consumer and powerful company too substantial. At least with the status quo, there is another powerful company _on the side of the individual consumer_.

Requiring a court case for every case of unfulfilled contracts which could be resolved trivially by credit card companies would mean I'd done almost nothing else this year besides dealing with that, instead of making three calls to American Express.