Give merchants an excuse to avoid credit card processor fees, and give the customers someone other than the shop to blame for it? Is an ill wind indeed that blo

Give merchants an excuse to avoid credit card processor fees, and give the customers someone other than the shop to blame for it? Is an ill wind indeed that blows no good. If there was some CBDC scheme that worked at all; how long would the credit cards last? They'd lose so much of the business the currently have as the default electronic payment system. Perhaps that has something to do with how hard it has been to get digital banking / payments to happen for the last 20 years?