Using a credit card is always cheaper to the merchant, maybe the merchant doesnt realize it but cash is a bad deal like Uber is a bad deal - They money is up front so you never realize the costs.
In the case of user, it is fuel, vehicle wear and tear, and shifting demand.
In the case of cash, it is the cost of counting and keeping the drawer, security, deposits, change, and internal training/theft. Most estimates show it to be ~10-20% of income of a business is wasted. Always less than the cost of credit.
Well...that is...if you didn't do what maybe 50% of small businesses do: Screw the taxpayer. Sure, these credit card companies take 3%. Many small businesses take cash so they can do cash accounting and keep "money in" away from the IRS. They dont report it, they pay workers with it under the table and you, the customer and tax payer, may pay less, but you are getting screwed.
Only from some indignant-irate viewpoint. Paying less is a win. Taxes are a fraction of what you would pay (in th other imaginary scenario) - a percentage of the margins on the transaction. If those are apparently reduced to zero through some chicanery as suggested, you still pay less than what those 'missing tax dollars' would have been. You participate in the savings.
I mean, if you only think from the scale of 'only I exist on earth and nobody else' then yes, but if you consider the grand scale of tax evasion, the cost in your taxes from all of this is vastly greater than any credit card fee.
Using a credit card is always cheaper to the merchant, maybe the merchant doesnt realize it but cash is a bad deal like Uber is a bad deal - They money is up front so you never realize the costs. In the case of user, it is fuel, vehicle wear and tear, and shifting demand.
In the case of cash, it is the cost of counting and keeping the drawer, security, deposits, change, and internal training/theft. Most estimates show it to be ~10-20% of income of a business is wasted. Always less than the cost of credit.
Well...that is...if you didn't do what maybe 50% of small businesses do: Screw the taxpayer. Sure, these credit card companies take 3%. Many small businesses take cash so they can do cash accounting and keep "money in" away from the IRS. They dont report it, they pay workers with it under the table and you, the customer and tax payer, may pay less, but you are getting screwed.