For a small shop that is work you can do yourself VS work you are forced to pay someone else to do.

Oh yes that's sure, but you still pay in time rather than money (I guess it's OK for a lot of people)

There is debit cards in many countries with marginal fees. As it is now those savings aren’t passed on to me I still do it for local shops.

It's still a form of rent seeking. They charge 2% because nobody else has the capability to create an alternative. It's preferable for a government to reduce rent seeking as it makes the economy more productive, eg by limiting the fee.