I use debit. And I don't mind people tacking on a fee or requiring debit charges be over 5 bucks. If I go to the corner store and buy a coke the cost is 1.00 cash or 1.30 debit. Of course I could buy a ton of stuff and the fee would still be 30 cents. Right there up front.

I am in Canada. I see why it is a hassle but "work" isn't called "fun" for a very distinct reason.

It's way easier for me to track my spending with debit. I am shitty with money and it's nice to be able to easily check what I spent at the grocery store last week, or whatever.

Online banking and paying a little extra is way better for me than keeping track of cash.

And why not just take the tip out of the factor and demand a 20-25% up front tip from debit payers. It's no different than knowing that I have a .30 cent fee for a debit can of coke.