One way to look at credit card fees is as a form of insurance. They're a bit annoying, and most of the time you'd rather not pay them, but as with most insuranc

One way to look at credit card fees is as a form of insurance. They're a bit annoying, and most of the time you'd rather not pay them, but as with most insurances if you ever need to use it you'll be very glad you had it. The benefit to society is that it lowers the risk of making transactions, so people actually spend their money. The inherent risk in crypto transactions has a (very slight) chilling effect on people's willingness to buy things with it. Why would you pay for something with BTC when you can use a safer payment method? Also, let's not ignore the fact that crypto has fees too, and few people are paying taxes on the money they make from them, so there's little difference on that side of things except the benefit to the consumer is missing.