So, I'm not assuming that you or the person I replied to are in the US specifically.
But in the context of the US, if you (generally) chose not to vote in the 2024 election then you are guilty of doing nothing to prevent the atrocities committed by the Trump administration, when you in fact had the opportunity to do something - which is to say that you are guilty of negligence.
If you encouraged others to not vote then you are complicit in the actions of the Trump administration, because you helped put them in power.
There is no "blame-shifting game" being played here, as there is no need to shift anything. The blame is direct, valid, and undeniable.
In a practical sense it's true that most businesses can't afford to not accept Visa & MasterCard.
This is not a choice made by banks. The credit payment networks are not banks and are not owned and operated by banks.
A business does have the choice to accept other forms of payment besides Visa & MasterCard, which is the point I was making. If you want to use a different method to pay for something, the business has to accept that form of payment.