That is true, and you are right on this front.

That being said, I do have a business accepting card payments and the 2-3% for me is closer to 0.1% past bank fees.

But you're right that from the merchant's perspective, depending on country (e.g. the US) things can be worst.

Then again, from the merchant's perspective cryptos seem to have much larger downsides, after all there's a reason why they aren't widely used, and lack of good supplied for crypto is larger than lack of people willing to use them.