2 to 3% charges can hurt but there's always a lot of pushback from advocacy groups on behalf of lower income groups. Amazon cashless stores are blocked in a lot of areas for this reason. Philadelphia for ex: https://arstechnica.com/tech-policy/2019/03/sorry-amazon-philadelphia-bans-cashless-stores/

The US military has been using this with officers for years, informally "up or out". The idea is that it pushes people to continually improve, and if you can't crack it then you have to make room for someone else. It's rough if you're on the "out" part but good for the organization as a whole.

Since you're reading comments here, just want to give you a shout out and say I love your work. Really great, insightful stuff. Thank you!

I'm a big Bluey fan too - the ducky cake looks awesome. Well done!

Twice, I spent a whole summer replacing a deck. Its really fun for like 4 hours.