Why should there even be something like cash back or points programs? These programs are taking money from the merchant and giving it to the end-consumer, while the middle-men keep a cut.
I believe a world without these programs (or as you said “watered-down” versions) is more fair for the merchant and others shoppers not using such cards.
Especially if the merchant is not allowed to charge the end-consumer with this added fee.
I believe a world without these programs (or as you said “watered-down” versions) is more fair for the merchant and others shoppers not using such cards. Especially if the merchant is not allowed to charge the end-consumer with this added fee.