Credit cards are ridiculously overpriced. It is a joke that the credit card oligopoly can siphon of an entire percent or more of a large majority of retail purc

Credit cards are ridiculously overpriced. It is a joke that the credit card oligopoly can siphon of an entire percent or more of a large majority of retail purchases in some jurisdictions (other jurisdictions prudently cap those fees). But most other methods of transferring money are cheap and fast. If we compare with worst cases, I had a BTC transaction in 2019, IIRC, with a transaction fee of USD 50 that sat in the mempool for half a day before it was picked up.