UPI Aur Card Ka Drama: Kyu UPI Pe Nahi Hai MDR?

Arre bhai, suno! UPI toh ab sabki jaan ban gaya hai, samjhe? Har dukaan aur chaat waala UPI le raha hai, par card pe MDR kyun dena padta hai? UPI pe toh abhi koi MDR nahi hai! Lekin bhai, sarkar kuch soch rahi hai, warna chhote dukaan waalon ka kya hoga? UPI free hai, par uski cost toh koi aur utha raha hai, samjhe na, Babita Ji?