I’m so grateful to the overlords who grant me employment and force me into the office to sit on Teams calls with India, all so I can experience the pure joy of extensive train delays!

Businesses should just factor merchant fees into sticker price much the same way they would (should?) be factoring in the cost of carrying cash, as consumers we wouldn’t even notice. And yes, cash does have a cost (time taken traveling to/from the bank or ATM, risk of loss or theft on the way etc).

Don’t pay bank account fees as an individual, please… there are so many ways to get free banking.