[CPLX]

> 2-3% tax on every transaction

What's actually happening is that a ton of that is getting channeled into frequent flier miles and cash back and rewards and so on.

Not all of course, and there's probably room for disruption, but that's relevant.

[SomewhatLikely]

My card gives 2% back on everything, so it's more like a 0-1% tax.