Starting from TLDR at top, it is well reasoned, well sourced and very detailed.
And I agree, UPI should remain free, precisely to allow the vibrant ecosystem and innovation formed around it. Banks nowhere are known to be nice guys, even TFA gives multiple examples when they were dicks until forced down, and its no good idea why they should get paid for UPI transactions when they are already turning out profit from it.
Starting from TLDR at top, it is well reasoned, well sourced and very detailed.
And I agree, UPI should remain free, precisely to allow the vibrant ecosystem and innovation formed around it. Banks nowhere are known to be nice guys, even TFA gives multiple examples when they were dicks until forced down, and its no good idea why they should get paid for UPI transactions when they are already turning out profit from it.