Functional in the sense that people are able to make transactions with their credit cards. Trump would have zero hesitation to just destroying that system as part of some tantrum if he had control of it. Private companies controlling it will at least fight to keep it working as that is in their best interest. Is it the best option for consumers? No, but it’s the best option under the current administration. We have to deal with that problem before we start giving things over to government control.