> lobbying an authority to do so is something different than speech

Really? How is it different, specifically?

If you're a guest in my house and you say something racist and I ask you to leave...

Or you're a customer in my restaurant...

Or you work for the company I'm a ceo of...

Which one of those freedoms should I be disallowed from using?

(The actual issue here is that mastercard/visa are effectively a duopoly with no competition. The only reasonable way to have a monopoly provider of a vital service is to make it part of a democratic government)