Something is clearly broken here. No business says "Man, I wish I could have fewer sales and also pay processing fees on every sale I do get." Brick & mortar businesses go cashless for the same reason their consumers are going cash-only: inadequate access to financial services. I don't have the data to say exactly why their access is insufficient (could be lack of physical banks feasibly close enough to use, or the threat of crime creating artificial barriers, or other things). In a normal, healthy environment, cash is more valuable than other forms of payment. Cashless shops are just a symptom of a deeper problem. Whatever the barriers are here, any solution should be targeting those, not the people being blocked by them.