He didn’t. He said people who parrot it are.
Unless you do, there is no reason to be offended. Up to you.
And no; realistically, if you lose Visa and Mastercard, you can close shop. Obviously it’s for profit, because a 99% reduction in turnover means all employees out of work.
Yes, I took that number out of thin air, but I know most people would never bother as that is what they have.
Maybe it’s different in your country.