What will most likely happen is that consumers will gladly pay a 3 percent or similar fee in exchange for the convenience of not needing (or not having) cash. It costs more for businesses to accept credit cards, so why shouldn't businesses be allowed to pass the cost of accepting credit cards onto the customers who take advantage of that convenience? The only argument against this is that for a long time, Visa and MasterCard did not officially allow this to occur, and many consumers believe that fairness or equality is a virtue that should be extended from retailers in commerce.
Once my finances were in stable shape about a decade ago, I switched from cash to rewards cards. I hardly use cash for any purchases today. If, however, I am charged an extra fee to use my credit card - or if my more expensive rewards cards are rejected by businesses - it would be wise to consider moving back to a cash or debit card system. Many people won't. We're entering a period of time where technology is advancing payment options. You can link credit cards to cell phones to pay for an item by just being in the vicinity of an RFID receiver. As paying by credit card becomes less intrusive, with no need to open your wallet, any new fees are going to be mostly transparent and ignored.