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If you buy a $10 vase or a $1,000 vase, the benefit of using a credit card to purchase it is exactly the same: it allows the purchase.

The exposure to the credit card company is vastly different. They have guaranteed the payment amount to the seller (if the seller has followed all proceedures). If the credit card payee, doesn't pay, then they have to eat the payment to the seller. Since their exposure is proportional to the amount of the purchase, it makes sense that they charge a processing fee based on that exposure.

an extended warranty costs the same for a Toyota as for a BMW? Why not? The reliability factors are almost identical.

Again, the exposure to the insurance company is proportional to the costs of the repair, times the reliability. If reliability is identical, then exposure is proportional to the costs of repair. Replacing anything on the BMW is going to cost more per item for a variety of factors. 1) BMW charges more for a fender than Toyota, 2) The expected level of finish is higher in a BMW, so it takes more skilled workers longer to repair = more cost.

In the case of Qualcomm there is no exposure based on the value of the product that houses it. Hence they shouldn't be charging based on the products value. They haven't earned it. At least that's what Apple proposes.

The whole approach of charging a licensing fee based on the pricing of the housing product, for FRAND technology, is under fire around the world. The payers now realize that the licensee hasn't earned the proportional fee. It makes no sense.
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