It's the same argument why Google isn't never considered a monopoly to the online ads space. Because the whole ads industry is much larger. Same thing with car

It's the same argument why Google isn't never considered a monopoly to the online ads space. Because the whole ads industry is much larger. Same thing with card payments. There are online card payments and in-store card payments and other kinds of payments. Stripe + Paypal volume is considered a fraction of it.