Also it might make sense to you because you are thinking of freelancers, but think of the exact same product, same label could be sold to you at 3-5% less.
It kind of balances out anyway. You charge me more, I charge them more 🤷♂️
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And I buy the same product from the place that sells me cheaper, so you lose out 🤷♂️
This might apply to groceries or something but don’t see how it could make much difference in other areas. Most places don’t accept cash anyway. So there’s really no competitive advantage.