Remember that there exist alternatives to the big three US payment processors.

China’s UnionPay is pretty much global now, one can open a bank account remotely in Hong Kong or Singapore and go through UnionPay.

Russia’s Mir is the answer to the current geopolitical situation and the country being cut off from SWIFT, they are backed by UnionPay and are accepted all over Asia, Africa and increasingly in Latin America, many local banks in these parts will give you a card with Mir if you request it.

India’s UPI is also gaining traction in the subcontinent, in Europe Wero is rolling out as an answer to US dependency.

You don’t have to be a prisoner to the three American processors, even in the US and Canada, UnionPay is gaining traction as a result of the demand from the Chinese diaspora and business owners.

Competition is good for business.

Edit : typo car -> card