True. I've never run a shop. However I know few of the shop owners. All of them are saying the same thing: problem is money or sometimes technical issues (e.g.

True. I've never run a shop. However I know few of the shop owners. All of them are saying the same thing: problem is money or sometimes technical issues (e.g. someone doesn't know how to use computer or a terminal for card payments; doesn't want to learn new things; is afraid of new technology).