There are transaction fees with some cryptocurrencies (for example Bitcoin) – for a small purchase they can be much more than 2%.
(Answer edited. Yes merchants care indirectly about fees.)
Appealing to the common person is going to involve larger exchanges how will digital coin grow and still keep digital currencies decentralized?
I apologize for my ignorance in advance. I'm really just trying to learn more about this, and can't find any consensus, even within blogs/articles authored by the same people.
As a merchant I absolutely disagree: the cost of my product is how much it costs the user, which includes the complete costs to the user, not just my price.