If you buy BTC with a credit card, the cost passes from the merchant to the consumer. Do you deny this?
Why would I buy BTC with a credit card?
You didn't answer my question on how this numbers are calculated. Unless you do that, any discussion is pointless.
Most people are not you. Do you really expect most people to go through some lengthy process to get BTC? They will go to Circle.com and the like to buy from. Thus using cards the cost is passed to the consumer.
Please be open minded and think about how the average dud will buy BTC.