And this is exactly why the US domination of the payment industry is so dangerous, why companies like mastercard/VISA need to end, and why maybe sometimes it's understandable countries like Germany or Denmark have their own card systems or prefer cash.<p>Running all transactions through companies subject to foreign laws makes you subject to those foreign laws. And there is no reason US laws should affect e.g. a Canadian in Canada doing business in Canada with other Canadians.<p>The current situation is extremely unjust, because as German in Germany interacting with other Germans, I'm suddenly subject to US laws on which I can't even vote. Being subject to laws which I can't influence in any way democratically is unacceptable, and needs to end.<p>Either we as society should go back to cash, build our own payment systems to replace the US-based solutions, or end the US hegemony that even allows the US to spread its laws this way.