Yeah so you get consumer surplus if you pay 2.5% to a credit card processor instead of paying more than 3% to physical cash logistics. Everybody's happy besides

Yeah so you get consumer surplus if you pay 2.5% to a credit card processor instead of paying more than 3% to physical cash logistics. Everybody's happy besides your weird sense of "insane." Furthermore you get a lot more than just writing a few bits with a credit card transaction. You can bypass the cc companies and cash logistics costs by taking checks. But certainly the revealed preference is to not do that.