Maybe where you live. Almost no one denies a small purchase anymore in US. Except extremely off the beaten path gas stations with a very very old POS. Even then they'll still do $5 and up.

The fee compression is precisely where the quadratic scaling potential lies; a $10 spend unlocks a vastly larger transaction volume than any credit card’s marginal cost would allow. It's a remarkably direct application of network effects, bypassing established financial inertia.

The fee structure is a remarkably astute observation; it’s not simply about bypassing credit card charges, but about offering a genuinely competitive transaction alternative at a practical threshold.