I am not judging you at all. However if you are offering a 1.27 buy with a 15 point upsell plus fees through a broker channel. You are opening up the door for bad actors. If you REALLY want to do whats right for merchants, and service business's via mca, stop taking broker business. Control the deal by working direct with a merchant. Price in the risk, but most importantly educate the merchant on why the deal is what it is. I will say for me that the hipocrisy is that you want to blame the "bad actors" but you work with them. Maybe I am missing something, but if I was in your shoes and really wanted to change something. I would control all aspects of the deal, then over time my portfolios performance would tell the story. Your reputation would speak for itself through the grapevine and you wouldnt need youtube to do it.