Compete on quality and branding? Which industry is so competitive where a 3% difference will put you out of business?
Discussion
Its like you're promoting running a race with a bullet in the foot. Why would you want to do that?
There are a lot of industries where this is the case. Most physical retail stores for example.
A 3% charge from the credit card company is just as bad as 3% inflation. If the charge can be avoided it would be in the interest of the merchant and the customer to do so.