Yeah and the fees that MC and Visa charge arent small....

Depending upon the business and how tight the margins are, 2% or so can be rough.

Imagine grocery stores that operate on roughly a 6% margin...that fee is high...and most groceries are bought with MC/Visa is would guess.

The .5% onus is on the consumer but, when you think about it, that is a lot less than the amount one pays to convert crypto into fiat on the exchanges.