The merchant doesn't need "the system or fraud checks" to sell lattes. Furthermore they get hit with chargebacks, which are a feature offered by the CC, not th

The merchant doesn't need "the system or fraud checks" to sell lattes. Furthermore they get hit with chargebacks, which are a feature offered by the CC, not the coffee shop. You're justying why business A shoulders business B's expense. That's like saying Visa should wipe down the espresso machine.