People will go toward the option the system points them to, and in the US you don't pay extra fees for credit cards and have the best fraud protection with them

People will go toward the option the system points them to, and in the US you don't pay extra fees for credit cards and have the best fraud protection with them. So why wouldn't you use it? Sure, I guess I might think twice if I had to pay a surcharge with every card purchase. But I don't, so why should I behave as though I did?