Nobody is suggesting cash as a "solution" except you.
The issue isn't the solution, the issue is the staggering cost of the service in the US vs everywhere else. It's 2x higher in the US, for no good reason other than having a monopoly. In Europe near-instant wiring of money is trivial so for large purchases, businesses can just accept a transfer - so MC/Visa have competition there.
Here, wire transfers are a royal pain in the ass, slow, and expensive, so there's no competition. Zelle and others are slowly changing that, but they mostly compete against paypal for p2p payments, not b2c etc.
>Visa charges 3%. Everything you buy could be 3% cheaper, that's better than cash back.
>And anyone that ever uses cash for anything is overpaying, because prices everywhere have been jacked up to include headroom for "give back 2.5% as credit card rewards"
>For people like me who treat a credit card as a debit card, I see no reason for vendors to pay that "tax" if there are almost free alternatives.
I looked through the lawsuit and this is about stifling alternative payment methods.