No, I hate cash and love the convenience of card via phone. I just don't think it's fair that if someone chooses to pay via cash, or a lower surcharge card, etc, that they are burdened with the cost of every one else's choice. I'm happy to pay extra for what's convenient for me and I think this concept of card fees meaning you don't pay the "real cost" is idealogical nonsense, especially when you can get service fees, convenience fees, digital ticket fee, etc, etc. A good change would have been regulating reasonable costs by the bank.