The bottom line for MC is how quickly can they part you from your money? The core of their profit is still the transaction fee. It is to their advantage to redu

The bottom line for MC is how quickly can they part you from your money? The core of their profit is still the transaction fee. It is to their advantage to reduce any impediment to you spending money. Even if 'fumbling with your card' is an awkward way to put it, those few seconds are still a moment when you could think, I'm not going to spend that money. You might decide to not get your card out.