Higher fees are generally associated with using credit instead of cash.

what?

Explanation:

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Accrued interest adds up on credit cards:

If you don't pay your credit card balance in full each month, then the interest you accrue on your purchases will end up costing you more than the original purchase.

Paying with cash helps you keep your debt in check:

It can be easy to get into debt, and not so easy to get out of it. In addition to paying more in total for purchases over time, you're also accumulating more debt if you don't pay your bills off from month to month.

Cash makes it easier to budget and stick to it:

When you pay with the cash you've budgeted for purchases, it's easier to track exactly how you're spending your money. It's also an eye opener and keeps you in reality as to how much cash is going out vs. coming in from week to week or month to month.

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the answer is the government.