I bet they would also argue it's to help pay for the CC equipment and phone line and all that other jazz.... which again is a cost of doing business. When I buy a pizza they don't say "Well it's an extra 25 cents because I had to buy a new door".
I would push back and say "Well the lack of physical money saves you time and risk from not having to deal with cash and going to the bank and being robbed, making mistakes, etc."
I had a low tire on Grosse Isle last week and the only gas station on the Island had a cool air feature. IT's computerized, you tell it how much pressure you want and it stops automatically. And it took credit card. No fishing for quarters, who the hell has quarters anymore.
It was $2