Owner of kiwi farms, Josh, is streaming, and he has a take on how people will be encouraged to go to FedNow in lieu of current payment processors.

For context that was cutoff: credit card companies are hiking their fees, and if businesses give a refund on a credit card purchase by a customer, they have to eat that fee, so they lose money no matter what. So they're inventivized to not give refunds, making them less competitive.
@Tfmonkey