As others have mentioned this is particularly prevalent in the US. I always liked that Australia's vision for a peer-to-peer payment system (note cards are mainly for merchants, hence the rewards) has inclusivity [1] as one of its core tenets "continue to transact ... without disproportionate burden or risk ... those experiencing financial hardship". They also just stopped surcharging [2] and have capped interchange fees since a long time.

1) https://a2apaymentsaustralia.com.au/wp-content/uploads/2026/...

2) https://www.rba.gov.au/payments-and-infrastructure/review-of...