Credit cards let you externalize the cost, since merchants raise their prices to account for credit card fees, but raise their prices for everyone, not just credit card users. In other words, the cost of better consumer protections from credit cards is subsidised by those not using credit cards (and those who carry a CC balance and pay interest, but that's another matter).

Alternatively, maybe practically everyone uses credit cards, so the "subsidy" is negligible, and everyone loses slightly on average. But then you'd lose even more if you didn't use a credit card and subsidised everyone else.

It's basically a big version of the Prisoner's Dilemma.