It's not mutually exclusive. For example, if the operating costs of a cashless system are 1%, the operators charge 3% and cash costs business 5%, the operators

It's not mutually exclusive. For example, if the operating costs of a cashless system are 1%, the operators charge 3% and cash costs business 5%, the operators turn a profit while it's advantageous for businesses as well. If businesses lower prices with the 2% they saved, it's advantageous for consumers too.