The distinction I meant to make is the "cost of doing business" is all the things required to do whatever your thing is. The food ingredients, the building ren

The distinction I meant to make is the "cost of doing business" is all the things required to do whatever your thing is. The food ingredients, the building rent, the electricity and cooking gas, those are all required to make the burrito, every burrito. The credit card exchange fee is like chocolate sprinkles on ice cream. It's a completely seperate and optional thing. This totally seperate company offers an extra service you may or may not want to add on top of your burrito. That's nothing at all like the electricity, and is not at all part of the cost of doing business. It's the cost of doing an entirely seperate business.