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they will win.. visa/mc hasn't done shit in years and years to prevent fraud.. the internet is growing faster then anything else and they are just sitting on their ass collecting their money.. watching everyone like hawks like a referee and slapping on penalties..
"this person said he didn't sign up.. it was a family member.. slap 500$ penalty"
the only one without these stupid fines is discover.. and it is becuase they can't monopoly anybody around becuase they aren't big enough.. im SURE they would LOVE to have a 1% penalty and start fining people up the ass.. but they can't .. they aren't needed enough and would be dropped quicker then fuck
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