As I said, the fee you're paying if you use a credit card is for financial intermediation. That's not just "giving someone money" or "collecting money". There are other things included that have significant costs to provide.
> They provide a valuable service
And that means all your rhetoric about "charging a rake", "tax", "parasitic toll collection", "tithe", etc. is misplaced, because those things all imply that there is no valuable service being provided.
If you want to argue that there are ways to reduce the cost of the valuable service, for example by competition, that's one thing. But that's not the argument you're making.
3% of transactions is an incomprehensibly large amount of cash. The systems that exist to transact cash have been in place for decades already. Major countries have already developed their own payment systems because they understand the problem and the cost to society. Most of these are entirely free and AFAICT, they work just fine.
> for example by competition
Sure, if you set up a time machine. Even in that case, there would be no meaningful competition. Someone else would simply occupy the position in the middle of the intersection instead.
"Parasitic" and "toll collection" remain accurate descriptors. What about "entrenched" and "monopolistic"?