The author strongly advocates for keeping India's UPI free, recognizing its critical role as digital public infrastructure. UPI's success, driven by zero transaction friction, boosts financial inclusion, digital literacy, and economic efficiency. Despite operational costs, the article critiques the legislative move allowing a merchant discount rate (MDR), arguing it undermines UPI's public good nature and network effects. The author proposes alternative funding, like RBI dividends, rather than charging merchants or consumers, asserting UPI's vast social benefits outweigh its costs.