I think I can deal with 1-3. Being proactive is key even if it results in a few blank stares or surprised looks. 4 and 5 are more variable and depend a lot on the patience and willingness of the cashier. What I really want is to eliminate the unlockable terminals. I can tolerate the merchant persuasion or systems that opt you in if you don't say anything, but things like the Greyhound Cafe's terminal need to go.