I see it alot, and it's usually through a local small businesses that are being charged as such to run the cards
I have never noticed it... I have seen some places put minimums on card transactions, but no retail store I have seen says the price is X and then charges you Y, because of fees. I guess they just bake that into their overhead and consider it the cost of doing business?
The percentage of people walking around with cash, and going to the bank to withdraw cash, is minimal... unless I just sold a gun here, I typically never have cash on me...