I can and do pay cash for a lot of things. But I use my credit card whenever it's convenient to me. It's a question of utility. My credit card was among those swept up in the Target breach. My hassle consisted of two days without said credit card and having to sign a form and mail it back.
No liability, no problems. If I lose cash that's on me baby.
Other than for some altruistic "for the greater good because merchants just pass down the cost of fraud to their customers" why should I care? I mean, seriously, why should I care? Debit card interchange fees were statutorily capped a few years ago and all of the merchants stoically supported the idea because it would be great for consumer's bottom lines. A study conducted by the Wall Street Journal six months later found that despite merchants generating substantial savings from the interchange fees being cut virtually none of it made its way back to the consumers. In fact some merchants even boasted in their earnings statements about how the savings went straight to the corporate bottom line. If credit card fraud went "poof" tomorrow, where do you think those savings would go?
So I ask again, if I bust my ass and Initech saves a few units, I don't see another dime, so what's in it for me?