If businesses are free to add surcharges and/or discounts based on the payment instrument used, that should nudge consumers to lower-fee payment instruments lik

If businesses are free to add surcharges and/or discounts based on the payment instrument used, that should nudge consumers to lower-fee payment instruments like cash, debit cards, cryptocurrency, or at least a credit network with lower fees. For better or for worse, there are some legal obstacles to surcharges for certain payment instruments, but discounts are always an option. I.e. merchants could pad sticker prices with the max fee they might pay, then discount depending on the instrument used.