This guy 100% misses the boat and is clueless on how the real world works. Such naivete it's painful to read.....
The reason gas stations run aggressively on cash is because they're running two different sets of books a majority of the time.
Same for laundromats, motels, etc...
Now guess which group of people runs these businesses?
I used to ask my father why we didn't go get a "Brown" loan from a group of Indians and then go open a small business.
My father replied "We don't break the law."
He sat me at a Denny's across from a gas station, he told me to watch the people going into the store and count the items they walked out with. He explained to me that there are Indians who don't pay the tax man and pocket the cash and asked me to never be one of those.
To this day, if I want to get a low or zero interest crowdsourced loan from a squad of Indians to go open a gas station or small convenience store, I should have no trouble doing so. I've never bothered.
Years later, after sitting down with my father, I got access to cell phone movement data overlaid on gas stations. It was very revealing when combined with CC transaction data that was also purchased.
2 different sets of books and the author of this doesn't even bother mentioning it.