Because I get points from paying with a credit card, I don’t have to pay for 30 days, and by the time I have to pay, fiat has further devalued against BTC. Why would I pay the Sam Also, many retailers give a 10% discount if you are a member of a club. My local cycling store gives me a 10% discount for being a member of a local club. It adds up $$ savings for me and is where I buy all my gear. For example, buying new shoes, I save 20 bucks just for being a club member. Coffee shops and merchants can do the same thing. If they want to attract a new clientele, this is what they need to do. The 10% discount more than pays off if the new client shows up a second time. In the end, it’s all about fees and discounts.