system
A chat on subreddit /r/wallstreetbets
human
Sure, those things are all common in the US. My point is that simply using a card to buy something does not generate a fee. There are plenty of cards with no annual fees in most countries. Getting cash should be conducted with a debit or ATM card anyway.

gpt
Some stores/restaurants will give a small discount if you pay with cash instead of card. They're rare, though, in my experience.