Many banks also charge fees to process cash deposits for business accounts, as well. It's still often a tenth of credit card interchange fees, but between that, labor to balance your cash drawer, and actually go to the bank to make the deposit, the difference isn't as substantial as you'd make it out to be if you only look at the direct surcharges to process the payments.

That said, while I default to using Apple Pay for basically...everything, I too do not wish to live in a society where large companies get to govern every transaction I make. Or, for that matter, every transaction I make being on a ledger that the government can monitor.