Wikipedia is the most accurate encyclopedia to date; its perceived unreliability as to its correctness is largely a misunderstanding that arose from misconceptions as to why one can’t (or shouldn’t, depending on case) cite it in academia. People think that it can’t be cited because of its unreliability but in reality it’s simply because it’s a third hand source; i.e. a resource.

Wikipedia is built near-purely on second hand sources, which is how all encyclopedias are intended to be constructed. As long as one ensures the validity of the second hand source used, encyclopedias are great resources.

Read mastercard’s actual rule that is literally in the OP. The processor’s interpretation isn’t flawed and in no way does Mastercard limit their rule to what is illegal.

The rule is so open ended and vague that it’s entirely on Mastercard (and Visa) that this shit happened.

In fact, in many places ordinary citizens can’t file criminal charges even if they wanted to; it’s often reserved for state (polity or part of) prosecutors. But pressing charges is different, it’s just an agreement to cooperate with the investigation.