If people could get "5% off" (really: not paying CC fees) by using a debit card and also use it for rent and government payments, CCs would be gone in a few yea

If people could get "5% off" (really: not paying CC fees) by using a debit card and also use it for rent and government payments, CCs would be gone in a few years. If merchant margins are razor thin, reductions in cost go to the customer, not to the merchant's margins.