Let merchants charge customers the credit transaction fee as a surcharge [1] [2], and let consumers pay to receive the benefits if they so desire. Everyone else can use debit cards now, and instant payments when they arrive in 2023-2024 [3] [4]. If it's transaction insurance customers demand, let them vote with their dollars (versus mandating everyone pay it as a transaction tax).

[1] https://usa.visa.com/dam/VCOM/download/merchants/surcharging...

[2] https://www.mastercard.us/en-us/business/overview/support/me...

[3] https://news.ycombinator.com/item?id=24103753

[4] https://www.federalreserve.gov/newsevents/pressreleases/othe...