I like to look at things from first principles. Karma if you will. What u plant is what grows.

Debit card interchange fee in America is so low!

Credit card interchange fee is so high.

I think it’s because u are making a “deal with the devil” when u do credit. Buying stuff with other peoples money.

So naturally the “devil” charges a high price for his service.

If you want to do business with people buying on credit, you have to pay more. I think the universe is telling us we should quit with all the credit cards!