Well but guess where the merchants get their money to pay for that expense. If it increases the business’s cost, it ends up being paid by the final consumer.

What joke? Jokes are supposed to at least try to be funny.

Well, of course. Who would in their right mind would set it up so random input from random people online gets included into the model?

The model is trained on known data and the web interface only lets you use the model, not contribute to train it.