Dealerships pay %’s per card spend to their banks and that varies according to the amount spent, limiting it reduced their overhead.
They don’t want cash because they also have to insure their safe contents and pay for cash uplift by the likes of Securicor, or risk taking a bag full of money to the bank. My firm used to do the latter back in the 90’s with eyewatering sums, it was not uncommon for junior office staff to walk 800yrds to the bank unaccompanied with £100,000 in a plastic bag. This became untenable (well, it was always a risk) after staff at firms (not ours) took employers to court after being robbed as they had been injured/traumatised. We then moved to regular Securicor pickups and increased the insured cash in the safe from £3000 to £30000. Now, however, Securicor has gone to a small collection once a week as cash is rare, everyone pays by card. Insured cash in safe is £1000 mostly to cover the till takings/floats returned to finance at the end of the day. We have no limit on card transactions, but I know our card terminals cost us over £16,000 a year just for their rental.
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