Speaking from a retailer's point of view, I have to say that it seams reasonable to place more burden on the user of the card rather than the retailer. Retailers don't force a person to use a debit card, and allow customers to do so as a convenience to them. For years we have been somewhat over a barrel because customers want the service, and we would lose business if we refused. And the banks have taken advantage of us by charging higher fees than necessary--at least in my opinion. Retail prices have to increase to cover the added costs that result from these merchant fees. It will be interesting to see how this plays out.