Credit card fees are 2-3% for a reason -- you can get 2% cash back as a customer with a no-annual-fee card for instance. Then there's the fact that credit cards are loans, and there's a cost to lending. Finally, credit cards come with protections (chargebacks), guarantees, additional warranties and all sort of other customer-friendly services that people want. And obviously are willing to pay 2-3% for.

In the EU where people don't want the system to work like that interchange fees were capped in 2015 at 0.2% for debit and 0.3% for credit [1]. If that's what you want, there's a proven model for establishing it. In Australia it's capped at 0.88% for credit and the greater of 16.5c or 0.22% on debit [2].

Did you know Bitcoin alone ALREADY used 0.5% of world electricity at the end of 2018, even though nobody really uses it? [3] It's like we're all paying a 0.5% surcharge on top of everything we do, which is double the price of EU interchange. Just to support some ancap pyramid scheme that people agree solves largely 1 class of problem: payments for illegal goods and services, while pretending to solve all the worlds problems, just poorly.

[1] https://www.adyen.com/blog/all-you-need-to-know-about-the-eu...

[2] https://www.adyen.com/blog/card-processing-in-australia-just...

[3] https://www.sciencedaily.com/releases/2018/05/180516131236.h...