I'm here as a credit card executive. I'm not here to comment on how merchants choose to allocate the cost of accepting payments amongst the customers who are shopping in their stores.
Merchants have choices. They can choose to accept whatever payment methods they want—cash, debit or credit. They can choose which payment networks to accept, like Visa, Mastercard, Amex or others. I can't comment on how they choose to distribute the cost of accepting the payments they choose to accept.