What are you going to do, NOT accept card payments?
The sky high rates in the US is because fuck you, deal with it. It's pretty explicitly wealth transfer from poor people to credit card companies, with a small kickback to well off credit card users to make it popular and hard to regulate.
You don't have to be well off to not buy more than you can afford. That said, I'd be perfectly fine if CCs disappeared altogether, and limited people to only debit accounts.
The sky high rates in the US is because fuck you, deal with it. It's pretty explicitly wealth transfer from poor people to credit card companies, with a small kickback to well off credit card users to make it popular and hard to regulate.