buy local , pay cash

If you eat at a restaurant and after you're done they say they will not accept cash. Tell them cash is all you have. They will definitely take the cash. It's legal tender the bill they gave you is denominated in the exact currency you're trying to hand them, they really don't have a leg to stand on. How can they charge you $10 but not accept $10?

Simple reminder. Every time you use plastic, a bank collects a small fee, for the use of the infrastructure hardware. This is a tax implemented by the bank on every human who uses electronic payment.