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Replaced Visa/Mastercard with local payment methods and cash. No practical change whatsoever in terms of convenience, was unexpected. Also am self hosting as much as I can.
Oh, this is something I don't do, but probably should. Though I do small grocery shopping, several times, as opposed to one big one, and I do self checkout. It is so much faster to just pay with the card. It never really crossed my mind to do otherwise. I think paying with cash deserves a try though!
With self checkout here I can use the local QR code payment system that replaces the card entirely, so cash isn't always necessary. Maybe there is something like that where you live!
Using the QR code is probably still using Mastercard/Visa, no? As long as the money is being transfered directly from your bank account, it should be going throw Visa/Mastercard. Or am I mistaken?
Don't really have a good answer for you on that one, I think it depends on the payment networks where you live. Over here it goes through the local payment network that isn't Visa/Mastercard, there is a government one and a private one.
I guess here we also have JCB, but that probably costs as much as Mastercard/Visa for the merchant so I try not to use my JCB card.