Not suggesting a solution at all. Just was curious if the original poster was aware most thing we pay for in cash are inflated to include the retailer's credit card fees.

What might be interesteing is a till discount at each retailer for not using a credit card.

I preferred to use debit for a long time too. As fraud increases, I'd rather the bank be hit with fraud on a CC instead of my bank account. It's not the best insurance, but banks are far more motivated to get their own money back quickly over their customers'.

That ship sailed long ago, though, and nothing short of the collapse of our financial system will bring that ship back to dock. The only rational decision is to "defect" in this particular dilemma: cooperating just hurts you and doesn't change the overall outcome for anyone else.