From personal Perspective: ALL scam I had as a seller was with credit cards. I always ate the costs by refunding with extra fees. Over Easter I could not transfer money for 5 days!! Because holidays. Also no transfers on weekends. European and American banks refuse to open a private account for me because money laundering laws. Even thought I have an EU passport but just living in Switzerland locks me out of this. And at last the fees. A few years back I paid well over 1000 dollars in banking fees within a year, mostly because I was getting transfers in Euro or dollars and withdraw in Eur on CHF account. Or how microtransactions are essentially non existent on the internet because of fees.

Say what you want, for me personally traditional banking is more of a burden than anything.