Why are foreign card payments such a mess?

https://getmondo.co.uk/blog/2015/12/15/why-are-foreign-card-payments-such-a-mess/

There is an excellent page on a NZ website about forex fees on debit and credit cards. - I moved from NZ to the UK late last year and have to say MONZO’s fees are unseen by Kiwis! We get a bad deal, and I’m considering signing up to your platform.