Honestly, I prefer it as a consumer. In the US, one can relatively easily find a card that gets 2% back on every transaction, if not more, with 3-7% not uncommo

Honestly, I prefer it as a consumer. In the US, one can relatively easily find a card that gets 2% back on every transaction, if not more, with 3-7% not uncommon for certain spending. Even at 1-2% back, most of the price increase by a merchant is recouped, and some nominal extra amount is perfectly acceptable to me for the convenience. Cash isn't free to accept either for most merchants, given the security risks, so I can't imagine I'd be saving much (if anything) if different prices were allowed for cash transactions.