At this point, I'd be willing to support the bill in exchange for one consumer-friendly add-on: outlaw credit card surcharges / minimums everywhere in the U.S.

Banks are still going to compete. Airlines are still going to compete. They still want us using their products, because they're still making money on the interest and airlines are still making money from "loyal" customers. Maybe the SUBs aren't as huge and maybe the cards aren't THE central pillar in every FF program anymore, but I remember back when the FF programs were more about, y'know, *actually flying* than credit cards. And they seemed to function well enough then.

As much as I love miles/points, it seems too grossly self-serving to write my Congressman to say "keep this duopoly intact to keep my prices higher so that I can get points/miles on the back end." I get the banks' logic and the airlines' logic, but I totally realize that the 99% of the people in this world who aren't points/miles nerds should *not* want this.