Would you propose a national price cap on transaction charges? It would be hard to justify intervening in this way, given that there is plenty of competition and rates are not very different. Any transaction (even cash) has associated costs.

There is already Bitcoin with basically free Lightning Network transactions, so it's more like people vote with their wallets that they prefer (at least for now) paying this 3% tax instead of few bucks per year for channels opening/closing. And it works in the same internet market (real life and cards is a bit more complicated because of existing payment infrastructure).

So nobody force Americans to pay, actually, they do that voluntarily.