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That seems like it would get complicated fast. Doesn't cash have its own additional handling costs that don't apply to credit card users? I'm not sure it's as easy as saying cash users are subsidizing anyone else.

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For businesses to deposit cash at RBC (the largest Canadian bank) here's an account that charges $2.50 per $1,000 (branch), $2.25 per $1,000 (ATM)

https://www.rbcroyalbank.com/business/accounts/flex-choice-b...

Which is ~0.25%. Presumably a cash register also has some amortization on it.

That does not include the cost of staff processing it.

And the cost of staff pocketing some of it, and the cost times risk of it being stolen, and the psychological impact to employees of the store being worth robbing...

You forgot cash pickup and delivery costs for big stores or sending two employees to the bank with the day’s revenue (that’s the cost a lot of cash-only merchants in Germany usually don’t calculate for). Also don’t forget the counting of the day’s cash, two employees 30 minutes each.

That sounds like something that could be regulated away if the government felt like it.

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