Sure but I think the argument is that because those merchant fees are unknowable no one can make intelligent choices around them. The disadvantaged are obviously more impacted but it’s possible that all of us not in credit card employ or shareholder are taxed. A prisoners dilemma sort of thing.

But we are well past my economics understanding.

Unknowable?

Visa: https://www.visa.ca/en_CAsupport/small-business/interchange....

Mastercard: https://www.mastercard.ca/content/dam/mccom/en-ca/Documents/... (PDF)

AMEX is a bit harder to find, reseller is https://www.helcim.com/ca/american-express/

Its unknowable what merchants are marking their prices up as.

We know generally what the rates are and the statement above is accurate: "Most people that care get a substantial portion of those fees back (either as cash or rewards)"