I like your sentiment but Discover already robbed the merchant by more than what they paid you. You're just an expense when you talk about cash back.

But at the same time fuck all these CC corps. I would love it if merchants can give me a discount if I pay with cash or debit but their contracts forbid them from giving discounts for non CC use. The contracts also forbid merchants from charging the CC fees ontop of the goods.

I spend $100 at the store, the store gets around $97 and the CC gets $3. If I spend cash the store gets the whole $100 for goods that SHOULD only cost $97 if the merchant fees weren't so BS. The store isn't allowed to offer a $3 discount if I use cash either. The problem is that increased CC use raises the cost of goods for people who don't use CCs.

Honestly I'm ok with more regulations on these fucks, especially to stop them from making political decisions based like this.