[aianus]

You like it because the costs are hidden from you. I bet you'd think twice about using your card to pay for your hotdog (or even something like a MacBook) if they explicitly passed the fees onto you and you could opt out with cash.

There's room for both systems for different kinds of transactions with different kinds of merchants.

[diogenescynic]

As a merchant, they would pay those fees--so no, the costs are not hidden for them. Did you miss that part?