The price difference would have to be significantly more than 1 to 3% to justify the inconvenience of carrying around cash again for me as a consumer for the things I don't buy online. Also don't underestimate the benefits of not dealing with cash for the merchants either. After cash usage almost vanishing completely they made it mandatory to accept cash a couple of years ago in Norway in an attempt to keep the infrastructure on life support in case of crisis (but still illegal for big transactions like cars and houses because something something crime). At least one hairdresser chain notably resolved it by only accepting pre booked appointments, which you could only get along pre paying for them in an app.