The trial system may very well get an overhaul Monk, and it does need one imo.
If you think about the cost of a trial to everyone in the chain of the process, some parts of the chain are losing money. Now when things are good and people are paying the cc bills and the interest I guess its not that big of a deal... but when times get tight and the bottom line starts to shrink, that's when the banks are going to realize where they are flat out losing money.
Visa can't say don't take transactions for under X amount of dollars to my knowledge but they sure can create some regs that will make it way more costly to do so by the acquirers and in the end the merchants.
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