No, not the kind of question that one would normally get at the cashier’s area, except we all are going to get bagged there, all thanks to our Federal Government. Specifically, we can blame US Senator Dick Durbin from (D-IL) who decided to monkey with the private sector yet again with his Durbin Amendment (attached to the massive financial regulatory "reform" Act, the monstrosity generally referred to as "Frank-Dodd" with the words “By requiring debit card fees to be reasonable … small businesses and their customers will be able to keep more of their own money."). And with that, he may well have doomed the debit card to dinosaur status.
Once again, Democrats decided that they knew better than the free marketplace and believed that they could institute changes without any adverse effects – after all, they have better titles than we do! So, instead of letting banks charge the retailers the cost of actually servicing the use of debit cards, they arbitrarily decided that 1/2 the cost was "a fair price" to the banks and let the retailers off the hook – even as they were told that the cost to actually provide the service was higher than that.
So, what’s the result? Enter in The Law of Unintended Consequences.

