If merchants go down that route, basically arguing that optional expenses should be born by those customers who cause them (and not by cash payers), I might argue that labor expenses ought to be built into the price of products/services as they are equally applicable to all customers, and not be funded from generous tips. In other words, maybe I just need to switch to the European model of adding a little bit extra for excellent service, but certainly not 20% as I now routinely give. Even going back to a strict 15% (and less for mediocre service and a hard zero for counter service) would recoup any extra costs from credit card surcharges…