I know many businesses that no longer take credit cards because of the high user fees. It’s cutting into their profits.
In this economy (LOL!) not using credit cards = good idea.
I’m talking about businesses though that rely on business AmEx cards for things like paying for Google or Yahoo advertising (the only way you can pay for it is by a CC) or put their inventory on a CC in order to expedite it’s delivery. Even UPS (if the company does shipping) requires that a CC be used for payment. So those types of charges are no longer being put on the AmEx card and AmEx is missing out on the fees the would be collecting, from google or UPS (the merchant fees.)
Basically credit cards provide a mechanism for financial institutions to take a 3% cut + a couple of months interest on a major fraction of the US economy for doing what is little more than a very expensive check clearing operation.