Where do you want the complexity -- one time, upfront, or during every single transaction?
The existence of Hacker News requires a whole lot of complicated technology. Having this conversation via smoke signal requires a much smaller investment. And yet...
Clearly without a study it would be impossible to determine whether the upfront complexity of designing and installing specialized credit card equipment would be more or less than the comparatively small complexity of counting out coins.
Walmart, for instance, now uses a system that dispenses the coin change automatically so that the person at the cash register doesn't even have to do it themselves.
The existence of Hacker News requires a whole lot of complicated technology. Having this conversation via smoke signal requires a much smaller investment. And yet...