> If you want to see e-commerce as a relevant branch of the economy

I don't, and I don't see much evidence that anyone outside the e-commerce industry should want to see that.

> Funny enough, banks are now charging withdrawing fees for cash. So if you only ever buy things with cash, you will loose money on just acquiring it. Net loss for the non-banking economy.

It's fairly simple to avoid ATM fees. Every bank and credit union I've ever banked at had a network of ATMs, and there's usually no fee for cash back at grocery stores. In contrast, credit cards always charge a fee to the receiving business. Additionally, many workers receive some or all of their pay in cash, cutting banks out of the equation entirely.

I don't think you can reasonably claim that credit cards take less from the non- banking economy than cash.

Not in Germany though. Cash salaries don't exists (outside of temp jobs), cash-back from grocery stores is still new and rare. The ATM withdrawal fees are the actual problem, they have been recently introduced, and they happen no matter which network is being used.