I think there's the disconnect between the US perspective and the other countries which makes the discussions difficult. The EU caps the credit card rate at 0.

I think there's the disconnect between the US perspective and the other countries which makes the discussions difficult. The EU caps the credit card rate at 0.2-0.3%, so the moral argument for not using card payments is a lot weaker, and most countries have also widely used non credit card electronic payment. SEA countries are mostly in the same boat, with higher credit card fees but more competition.