Sure, that's a fair argument. My point about discrimination was more about the network itself. If Visa decide they don't like you, or things you say, or things you do, or causes you support, or how your spend your money, or who you trade with, etc., then they can unilaterally decide to suspend your transactions and close your account and there is nothing you can do about it. Whereas bitcoin will not and can not do any of these things. It is censorship resistant, and therefore by definition, usable by anybody (although I appreciate your point that anybody doesn't mean everybody).

Do they? Visa transactions take 3-5 days for funds to arrive in the merchant's account and take 90-180 days to be irreversible. Bitcoin achieves this in seconds and minutes respectively. They cost the merchant several percent in fees, which the consumer obviously ends up paying through increased prices on goods. The entire Visa network has gone down in various countries and even globally in the past, rendering it completely useless and meaning businesses could only accept cash. This has never happened to bitcoin.