> it's disgusting that the person who spends may 30 seconds providing service gets X% of the bill

Yikes,wait till you find out how much the ACH and CC networks get for providing a fully automated service.

ACH and CC networks shoulder the burden of maintaining the system, fraud checks, chargebacks, etc. They provide a convenience function that lets me avoid having to carry cash around everyone, and lets the vendor minimize their cash-related costs. It's all worth the 2-5% they charge (and if you're paying more than that you've got bad negotiating skills). Cash isn't cheap--after security-related expenses, it costs just as much if not more than accepting credit cards, but the expenses aren't as easily traced back to individual transactions.

A guy bringing me a plate someone else cooked has not earned 20% of the bill.

The merchant doesn't need "the system or fraud checks" to sell lattes. Furthermore they get hit with chargebacks, which are a feature offered by the CC, not the coffee shop. You're justying why business A shoulders business B's expense. That's like saying Visa should wipe down the espresso machine.