Lastly, consumers like to use higher-cost payment methods. Indeed, we know credit card loyalty schemes are popular. They earn rewards for those that can participate in them, and banks encourage this because they in turn get higher returns as well. But that creates an equity issue, because someone has to pay for those rewards. Every consumer gets charged the same price for an item, typically in a store, but some get rewards back, and that tends to be the wealthy, who can afford and are offered those higher reward schemes. So, effectively, that amounts to a transfer of wealth from poorer folk to wealthier folk as a part of those loyalty schemes. So the Retail Payment System Bill helps to alleviate some of these pressures consumers and small businesses are facing as a consequence. 