Eh, the bitching over credit cards is tiresome.  Cash is expensive for businesses too - they have to pay to transport it securely, keep it safe, deal with cashiers&#x27; errors, etc.  And at the end of the day, cash consumers spend less than payments by electronic means.<p>Now, what <i>should</i> a very efficient electronic system <i>cost</i>? Very little, a few tenths of a percent.  But it doesn&#x27;t, merchants charge the fees that businesses will pay for that convenience, even begrudgingly, because access to the millions of consumers with credit cards is worth it.<p>If Silicon Valley wants to disrupt the business, do it. It is possible to come in and take on an established industry. But so far I&#x27;m less than impressed with the payment start-ups that are out there, and imho all they&#x27;re doing is introducing yet more fragmentation.  Sorry, I have no interest in paying with my phone - especially not with Snapchat.  My Chase Sapphire card doesn&#x27;t run out of batteries, and I get lots of cool perks with it.