> The "gas fee" for handing a banknote to a vendor is ... nil.
There's no sales tax where you live? (which is entirely possible)
> The "gas fee" for tapping a card/phone on an NFC payment pad is ... nil
Merchants pay a credit card processing fee (2.9% + 30c per transaction) for each transaction. Looks and smells like a "gas fee" to me. It's much less than the ridiculous ETH gas fees, but credit cards cost money to operate. The fee is hidden so the naive consumer thinks they're not paying anything to use the credit card, but that's very much due to the actions of the credit card cartel, Visa/Mastercard.