Richard Durbin actually said...

There is no question that this alone will help retailers in the convenience store industry to survive because it will lower the cost for whi...

We were talking about those who use credit cards to pay Government expenses as opposed to those cards issued by Government agencies.

Now they are moving cash to debit, and it is clearly a substitute for checks.

So it appears that some card networks in other countries have been more successful than the United States of America.