There’s a lot of small business owners who don’t see the costs of things they do, they only see the cost of what they get charged. So they see the cost of accepting a card payment and see what they’re charged by the bank to handle cash and think cash is cheaper but don’t take account of the time it takes the business to handle cash (count it, bag it, visit bank etc).
Firm I used to work for provided free tea, coffee etc and every couple of days a director would toddle off to Tesco for 30-40mins and come back with 4 litres of milk. Another company quoted to supply us with the refreshments but were rebuffed because their quote was more expensive than the £10 a week we were currently spending – completely failed to take into account the hours of time of a director salary (£75K) that was lost each year. I must have been drinking the most expensive cups of tea in Britain every day.