I was willing to use Interac and lose the points I'd have earned with my Visa. I was willing to pay for bags when necessary. But I will be GOD DAMNED if I'll start carrying coins to unlock their carts. Unchained carts for life.
Debit transactions are basically free (I think 1 or 2 cents for the merchant). In Canada a non-profit consortium (called Interac) runs debit cards, that's why they've been ubiquitous for 20+ years and available everywhere.
Is it different in America? Not many places but I see it often enough that charge for debit (typically Carl's jr or gas stations under a certain amount total).
Locking carts is pretty common practice when I lived in Germany. I know aldi stores in the states do it.
It's only really annoying the first time when you don't expect it. I make it a habit to keep two coins in my car, and I'll readily give one away if someone didn't bring one.
I'll also readily give the cart away to someone walking in because I'm usually lazy.
I'm 28 and still have never used a credit card. I only use debit. I know having good credit is still important for major purchases but I'm hoping that I can keep enough cash in the checking account to make any major future purchases.
The cashiers certainly push it hard. Last time I went there I said I wasn't interested and the woman replied "but why not? You will save $xxx immediately! Here, take this pamphlet".
Nice way to condescend the millions of low-income people who have to shop at Walmart because it's the only place they can get food, clothing, and supplies for cheap.
