I have never heard anybody try to make a definition of free will more wrong than what you are making. You are arguing that people don't have free will, because they are obliged to in every situation do what is best for their economic interests. But no such obligation exists in reality. Everybody has the freedom to make decisions that divert from their economic interests or from their interests in general. Almost all humans make such decisions every day.

You're damn right that a business owner will lose his sales and his profits if he doesn't give customers what they want. Which usually includes paying by card. Your option would be to take away the options and freedom from customers to decide where and how they spend their money, which has been tried already and became a total failure called the Soviet Union. But I guess hackers are much more enlightened and will succeed where every one else failed...

You're damn right about lemonade stands also. A business whose owners refuse to give customers what they want usually doesn't grow much, and stays small. Then they cry that they are oppressed by card processors or by middlemen, and only on HN will you find people who actually take them seriously.

Only in a tyrannical world should business owners have a right to make a profit without a duty to tend to their customers needs.