Visa, Mastercard, payment processors, banks, etc act as accountability sinks[0] for governments and political group by design. They are arbiters for moving/blocking money, not taking principled stances; there is no net neutrality equivalent for financial networks.

There's a lot of wasted discussion talking about an intentional design decision because they're arguing from consumers' perspectives, ignoring the huge benefit to political organizations (e.g. freezing Russian assets).

0: https://aworkinglibrary.com/writing/accountability-sinks