Thought I’d throw in an Aussie perspective.
We have four of the biggest banks in the world, and they rake in billions in profit every year. By and large they all try everything they can to rip off their customers, and routinely get fined for doing so.
Very few Aussie retailers add a processing fee for card transactions, and by law they can be no more that the retailer is charged by the bank. Low cost operators like Aldi add 0.5% to most card transactions but we accept that with good grace alongside their low prices.
There is a move by the banking regulator to ban surcharges for card use. It is much more efficient to transfer money electronically, as compared to tying up resources in wads of cash.
But when the internet fails, the failure takes bank transactions and streaming services with it!
I recently bought a Holbo air-bearing turntable from Slovenia, and would have preferred to use PayPal. In the end I decided I could trust Bostjan Holc and did a direct bank transfer instead. My trust was well placed.
We fairly recently did a five-week trip to Iceland and Norway, in the middle of their winter and way north of the Arctic Circle, and never once saw or used cash.
Don’t think that would work in the real outback, back of Bourke, where the only phone or internet service is by satellite, but I have not been recently. The test case would be the Roadhouse at Rabbit Flat, the most isolated Roadhouse in the world (apparently).