Correct, but these fees are trending up and not down, its not uncommon in this space to see payment fees hitting 15%. Removing the primitives of payment requirements, rails which are hard to build and practicably a monopoly, would free the state, this would power end-users instead of building more monopolies.

Actual payment fees are hitting a couple % max, all the rest is platform fees which are orthogonal to how you are paying. If you sell something through airbnb, they will get a cut no matter how you pay.

Credit card fees are a great deal for consumers even when they are added as a surcharge or there is a cash discount. Not having to deal with cash AND being able to dispute transactions are significant benefits.