Does the coffee shop/ restaurant/ bakery/ gift shop etc charge a premium to accept bitcoin when you walk in and buy from them using bitcoin compared to the local fiat price?
If so.. how much in your experience/area?
No, on the contrary. Sometimes they give a small discount. Makes sense, because unlike any other payment method they have ZERO costs and ZERO chargeback/fraud/counterfeit risk with Bitcoin.
And usually, they pass the ridicilous fees from paypal/bank card/credit card payments on to the customer, whereas they don't charge any for Bitcoin payments. So there's some discount as well.