So the person who transports those dollars to the bank doesn't get paid? The car that takes that person to the bank doesn't use gas? Just because you don't see the fee doesn't mean you don't pay it. It's included in the price of anything you buy.

> An actual digital dollar would have no transaction fee whatsoever.

So, something BTC is unable to provide?

That fee is only because we want that money settled instantly by a third party. There's no fee for a bank to bank transfer. Or heck, even writing a check. Once you get VISA involved they want a cut.

It might appear that way, but that is only because the fee is hidden.

The credit card terminal agreements signed by retailers prevent the retailer from offering differential pricing when buying via credit card or cash. Essentially, the credit card fee is embedded into the price.

This might be "good" for people who have credit cards, but it is inflationary (by roughly 2%) to people whose credit is poor and only transact by cash.

But let's be honest -- who cares about the poor?

You pay a slightly elevated price to use your CC.

The CC network charge vendors a percentage of the transaction. So you aren't paying directly, but we're all paying.

You do, but it is hidden as the vendor is responsible for paying it. CC companies are basically a tax on transactions.