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Even as a fan of the rewards points system I'm fine with this. My only beef is that I wish the credit card price was the list price and cash had a 2% discount. A fee that affects nearly everyone isn't a fee (see resort fees), a cash discount reduces surprise and cognitive load.

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In the past (decades ago), before the EU capped processing fees, I had pretty good success just asking for a discount when paying cash, even in supermarkets.

And yes, "it can only become cheaper" has a much lower cognitive load than US style payments where the advertised price is just a lower bound.

I agree. I wish the credit card networks didn't give into this, even if I might agree with other parts of the recent reforms. Cash discounts were always allowed.

I think the real problem is that merchants don't want to discount cash, because it still costs money. So now they can have their cake and eat (some of) it, too.

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