It is horrible UX and one might argue intentional. The terminals are provided by the acquirer, i.e. the same party that stands to make extra money if you let th

It is horrible UX and one might argue intentional. The terminals are provided by the acquirer, i.e. the same party that stands to make extra money if you let them handle the currency exchange. In Germany, there was a sliver of time where stores essentially taped a piece of paper to terminals with instructions and big red arrows to select a specific scheme because that would benefit the store (and not cost the consumer extra). It didn't really stick, however. I suspect because it was two extra button presses and the consumer wouldn't notice either way.