If merchants didn't accept them, they would go out of business. How is that not obvious? Technically there a choice. In reality, you have no choice, and no recourse, and you can't outcompete these companies either. The idea that you can just decide to block CC payments and survive is fantasy. You're essentially signing a death warrant for your business. That's not any meaningful form of "freedom."
> If Visa and Mastercard didn't add more value than they cost, then merchants wouldn't accept them.
> If Visa and Mastercard didn't add more value than they cost, then merchants wouldn't accept them.
https://en.wikipedia.org/wiki/Just-world_fallacy