Some grammatical/spelling errors i noticed
>"Financial services have gone on a tear and purged hundreds mature video games"
>You don't get to choose what card networks you patrionize
>Additionally, intermedairy companies that handle card
>Lets focus on payment networks
>there must be relief avaailable to those impacted
It's well written for the most part, I would recommend throwing your essays through grammarly or chatGPT or something though to catch some of the minor spelling or grammar mistakes. Or have someone as an editor to look through them if you want more in depth revisions.
For example, the sentence: "By design, understanding how a credit card transaction works is very hard." could be significantly better. "very hard" is not a term you'd see used in many scholarly essays. Something like "Credit card transaction systems are deliberately complex and difficult to understand" would be better. This is something I noticed in your writing style in general, it's not majorly important but if your goal is to sound as formal as possible it's something to consider.