Apples/oranges. Small businesses that compete in price or even match prices with big box stores have to do it at much smaller margins: they do not get the same volume discounts from suppliers and do not get the same credit card discount rates. I've had to fight to only have 1.75% of every sale taken as the fee for Visa, but I have friends running chain stores that report much better rates. With a lower margin, fraud hurts more. At any rate, this line of discussion is merely a tangent. It all boils down to one person protecting their livelihood vs. another protecting their identity.