You are the exception, so long as you do what the great majority don't, who are ahead.I have to pay the "vig" how exactly? There's not many places anywhere near where I want to be that you pay less in cash than putting it on a card. I maximize reward cards and never carry a balance, so I get back more from the cc companies than the merchant pays in merchant fees. Essentially you pay the same price in cash as I pay on my card 99% of the time and I get cash back that averages just under 2%. You're subsidizing me my friend, it's you who's paying the "vig" if anyone is.
But it is your - never pay cash fellow cardholders - who are subsidizing you.
Same as those who play the lottery. "Gladly" paying the gubmint an additional tax.