Yes. The money visa gives away has to come from somewhere. Same as with your coin btw but lets stay with the visa example. Where could visa get the money from?
- increase tx cost
- lower profit

If you increase the tx cost everyone pays for the lucky ones. Now some have a little more from time to time but you have an overal increase of prices. I think its more fair if the overal prices stay low. This idea sounds like a very bad tax to me. If everyone is giving a little to help the few. Shouldnt those few be those that really need it and not someone random?

Lowering the profit will not happen. Youd have to enforce this by law. But thats out of your reach.