I feel like this thread is a great example of what MCA is. If we were an industry full of high integrity and business oriented people, we would all be willing to examine the negative aspects of MCA. The fact that everyone immediately went into a response of "**** you David you piece of ****!!!" and "OH MY GOSH DON'T EVER BRING THESE TOPICS OF DISCUSSION UP" might just summarize every single little thing that's wrong with MCA.

If you truly believe that you are in a business that helps merchants, you wouldn't have to be so defensive when someone questions your morals. This is 1000000000000000% the reason that I believe we need regulation from someone who can see both sides of the story.