We're fortunate in the USA - so far. In Australia, legislation was passed that was supposed to help consumers - but what really happened is many providers now add a credit card processing fee to bills (and the fee did not reduce the original prices). Even Telstra (telcom) charges 1%, many hotels 1.5%. Some legislative proposals have gone forth in the USA to "help" the consumer in similar ways. Sure, you'd get extra miles or points, but...