I would argue that the customer has always paid the additional 3% because as someone said, "it's the cost of doing business". Prices have to be set to cover costs or a business fails. A business owner has to figure that extra 3% into their pricing if they are going to make enough to cover expenses and make some amount of profit. As prices rise and money gets tighter I see this as businesses offering me an opportunity to use cash and keep the 3% instead of giving it to a bank or credit card company.
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