There's no hypothetical world.
There is common sense though, you don't need to run an experiment to know everything is more expensive because of credit cards and non credit card users are subsidizing the benefits. Now Apple is going to make everything a little more expensive still.
It's regressive wealth transfer.
Mate you do understand that CC means the prices of said goods that you buy are more expensive, i.e. you get $100s back but youre prolly also paying $100s more. typically 2-4% (yes often esp in the USA they will levy this cost onto all users, not just the CC users, so it will be less than that maybe 1%)There's no hypothetical world. I get hundreds of dollars back every year that I would not if I used debit. If i paid cash or debit, I would get 0.
There is also advantages to the businesses who offer the service as well, what is that worth?Mate you do understand that CC means the prices of said goods that you buy are more expensive, i.e. you get $100s back but youre prolly also paying $100s more. typically 2-4% (yes often esp in the USA they will levy this cost onto all users, not just the CC users, so it will be less than that maybe 1%)
A similar thing is in NZ I know someone who buys all her shopping from countdown supermarkets because each month or so she gains rewards
https://www.countdown.co.nz/onecard/how-it-works/onecard-food-rewards
"For every whole $10 you spend, you'll earn a Onecard point. Every 200 points gets you a $15 Onecard e-voucher!"
so you have to spend $2000 to get a $15 voucher, thus 0.75% discount
https://churnewzealand.com/new-zealand-supermarkets/
"Pak’nSave is clearly the cheapest across the board, nearly 10% cheaper the New World who were marginally ahead of Countdown."
I have tell her multiple times, shop at pak n save, you will be saving money overall, but I dont know why but its this cashback/reward thing triggers something in the lizard mind and she continues to shop at countdown.
Now AlphaWolf I'm not saying you would be better off if you didnt use your CC as USA seems to usually put the extra CC fees onto everyone, but the reality is overall the USA citizen is paying for the use of CC's.
Of course this is obvious, companies normally don't do things for free
Which services have value, and how much?
Mate you do understand that CC means the prices of said goods that you buy are more expensive, i.e. you get $100s back but youre prolly also paying $100s more. typically 2-4% (yes often esp in the USA they will levy this cost onto all users, not just the CC users, so it will be less than that maybe 1%)
A similar thing is in NZ I know someone who buys all her shopping from countdown supermarkets because each month or so she gains rewards
https://www.countdown.co.nz/onecard/how-it-works/onecard-food-rewards
"For every whole $10 you spend, you'll earn a Onecard point. Every 200 points gets you a $15 Onecard e-voucher!"
so you have to spend $2000 to get a $15 voucher, thus 0.75% discount
https://churnewzealand.com/new-zealand-supermarkets/
"Pak’nSave is clearly the cheapest across the board, nearly 10% cheaper the New World who were marginally ahead of Countdown."
I have tell her multiple times, shop at pak n save, you will be saving money overall, but I dont know why but its this cashback/reward thing triggers something in the lizard mind and she continues to shop at countdown.
Now AlphaWolf I'm not saying you would be better off if you didnt use your CC as USA seems to usually put the extra CC fees onto everyone, but the reality is overall the USA citizen is paying for the use of CC's.
Of course this is obvious, companies normally don't do things for free
Epic Games filed for a preliminary injunction that would put its game back in the App Store and restore its developer account. The filing was made in the United States District Court for the Northern District of California.
...
Apple had said it would allow “Fortnite” back into the store if Epic removed the direct payment feature. But Epic refused to do so, saying complying with Apple’s request would be “to collude with Apple to maintain their monopoly over in-app payments on iOS.”
But in the new filing, Epic argues that more than its reputation has been harmed: “Daily active users on iOS have declined by over 60% since Fortnite’s removal from the App Store,” Epic claims. (It measured through September 2nd, in case you’re curious; by that point Fortnite had effectively split into two different games.)
FORTNITE ON IOS IS PRACTICALLY A THIRD OF THE ENTIRE GAME’S AUDIENCE
Epic says iOS is the biggest platform for Fortnite, too: 116 million registered users, or nearly a third of the 350 million registered users Epic says Fortnite has attracted in total. It also claims 63 percent of Fortnite users on iOS access Fortnite only on iOS, and that it’s the only way for many people to play the game.
Epic details how they're being harmed with Fortnite not in the iOS App. Store:
https://www.theverge.com/2020/9/5/21423889/fortnite-epic-apple-preliminary-injunction-filing-ios-mac
So 60% decline in active users and contrary to what was speculated, iOS is the biggest platform, accounting for 1/3 of all users. Of those iOS users, 63% only play on iOS.
But again, even though it's the largest slice, Epic isn't pursuing reduction of the 30% fees charged by MS, Nintendo, Sony, etc.?
Apple on Tuesday counter-sued Epic Games, accusing the maker of the popular online video game Fortnite of stealing the 30% commissions the iPhone maker takes from app developers.
In a court filing, Apple accused Epic of "self-help and subterfuge" as it embarked on a plan of alleged "commission-theft" by including a workaround in Fortnite that gave players a discount on in-game currency if they paid Epic directly.
Apple is seeking a judgment from Judge Yvonne Gonzalez Rogers finding that Epic breached its developer contract with Apple, as well as monetary damages.
"“Although Epic portrays itself as a modern corporate Robin Hood, in reality it is a multi-billion dollar enterprise that simply wants to pay nothing for the tremendous value it derives from the App Store.”"
I think they were banking on more social pressure than they got.Yeah, it's so much worse than being a patent troll trying to take on NewEgg. Maybe they thought they had enough "fuck you money" to poke Apple, not realizing Apple has so much more?