As others have mentioned this is particularly prevalent in the US. I always liked that Australia's vision for a peer-to-peer payment system (note cards are main

As others have mentioned this is particularly prevalent in the US. I always liked that Australia's vision for a peer-to-peer payment system (note cards are mainly for merchants, hence the rewards) has inclusivity [1] as one of its core tenets "continue to transact ... without disproportionate burden or risk ... those experiencing financial hardship". They also just stopped surcharging [2] and have capped interchange fees since a long time. 1) https://a2apaymentsaustralia.com.au/wp-content/uploads/2026/07/a2a-payments-vision.pdf https://a2apaymentsaustralia.com.au/wp-content/uploads/2026/... 2) https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/2026-03/ https://www.rba.gov.au/payments-and-infrastructure/review-of...