Sure, but then add in 21% VAT tax. Not defending the US but a 3% fee + (0%-11%) added sales tax doesn't seem like it would be a bigger "weight on the system" than a 21% VAT tax
VAT pays for our free schools and healthcare, transaction fees go into banks coffers. For you as an individual, some things are more expensive to purchase in Europe, sure, but I think equivocating the two is false.
E: I didn't read the guy you were answering closely enough. In the context of his comment, yours of course makes perfect sense.