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You... do not know what thread I was replying to, do you?
What is being talked about is high fees associated with each transaction done with electronic cash. Please read the comment I directly responded to again: https://lemm.ee/comment/6705330
It is necessary to use their services (or at least some other entity collecting fees) when you pay without cash in a store. You can't go to a store and pay with direct bank transfer.
Also, PS: this comment I wrote a while back: https://lemmy.world/comment/5658808