I don't know why you would assume that. I don't like fees, but I use credit cards for almost everything I buy. With the credit card, I don't pay extra fees, usually. In fact, I get reward points that I can use for other products or services in the future. I realize that the fees are built into the merchant price, but if I paid cash or used a debit card, I would still be paying that built-in fee. Every month I pay my credit card balances in full. I don't like paying interest, either. Even ALDI takes credit cards (and Apple Pay!) now, and the price of their macaroni and cheese has not increased (still 33 cents for the box).