> the consumer is happy to pay Happy to pay? Or ignorant of the cost? Or ... not offered any discount for cash? I'm not particularly "happy" to pay these fe

> the consumer is happy to pay Happy to pay? Or ignorant of the cost? Or ... not offered any discount for cash? I'm not particularly "happy" to pay these fees, but there's not much way around them. They get baked in to prices, and I'm not offered a way to opt out.