The bills ErrorStack is referring to (actually two bills, H.R.987 and S.401) were introduced by two Republicans. Payment processors overstepping their bounds is a bipartisan issue! Conservatives have been the target of it before! Making them politically neutral utilities is something we can all get behind, and you should contact your representatives in support of the "Fair Access to Banking Act"
if you are a US citizen.
What that means for you personally is that your unproductive doomerism isn't even based on facts. Next time you make a post, ask yourself if it's indistinguishable from what a propagandist would say if they were trying to demoralize people into doing nothing. And if it is, don't say it.