In the breach, the question is “where is the harm?” In order to advance real, effective, and wide-spread solutions, we have to engage in constructive conversation about the entire system/process. We must visualize the system to translate the complexity into understanding. We must also consider solutions against their ability to reduce the harm in a fiscally and socially acceptable way. We need to have a discussion about harm versus cost of doing business. It’s possible to claim the merchants and banks suffer harm, but it’s worth having a discussion.”]