> "Many of them refuse to accept CC payments"

No they don't. We're not talking about lemonade stands here.

Business owners don't have a choice. They must use CC processors or else lose their business. That's the point.

You're shoehorning a philosophical definition of freewill into a context where it doesn't apply.

Given that consumers and businesses have "freewill" or "freedom" to make any financial decision, then by your logic there are no bounds a company can possibly transgress.

Why do you think we have anti-trust laws, or consumer protection laws, or the FDA, or have litigated against monopolies in the past, or have the host of many other things which protects consumers from being taken advantaged of?