Earlier quoted context omitted.
The "~" is important. Most merchants are incurring anywhere from 3~6% on charges made via CC. Likewise, your actual cashback varies (for example the highest I'm aware of is BoA's 2.65% cashback) and the average consumer is likely only getting about 1.5% cashback. So there is your delta. FYI - For people who work in payments, they know it's not as simple as this, but the point is that there is a delta between the two,…
I thought your original post made it seem like only CC users get the extra 3~6% for the ability to dispute. My point in the thread was everyone pays it and it ends up being cheaper for the CC holder due to cashback.
"pays it" is relative. The merchant is generally charging 3~6% more than they would otherwise if they didn't use a CC. Said differently, assuming all other things equal, buying the same good for the same price from two identical stores, one who only accepts CCs and one who accepts cash, the one who accepts cash will profit more. Therefore they can, in theory, charge less for their good.
> being cheaper for the CC holder due to cashback
"cheaper" how? The spread is effectively paid for by the merchant (their processing fee is 99% of the time higher than the cashback bonus a consumer earns) which in turn goes to vendors (like credit card providers, payment processors, etc) who then allocate costs against things like customer service for charge disputes.
EDIT: The spread is the original ~3% I'm referring to, which would be an average 1.5% cashback against a 4.5% payment processing charge for a delta of 3%. In many cases this is lower (or null) but you get the point.