I see, that makes sense.

I don't really think it's reasonable to expect businesses will do anything to benefit customers though. Right now they have those costs accounted for in pricing, as you've stated. If they are allowed to charge fees for credit card use, they will keep their prices the same and simply add a further cost to the customers using cards. They're not going to lower prices.

I believe your situation will simply result in higher costs for everyone while the business profits more than ever.