I understand that completely. The ECB isn't covering a cost; they're redirecting it. Phrasing things like that redirection is the "after all" reason retailers "will be pleased" is highly presumptuous. I assume by contrast that many retailers will still dislike the ECB after they get their "free" terminals.
The problem is that the ECB effectively gives consumers "free" currency without giving vendors a corresponding "free" product to balance it out. Vendors have to raise prices or endure shortages.
But now the banks provide "free" nextgen terminals to vendors and...it's all good? Nope.
Idunno, you mentioned shrinkflation and vendor struggles... I just said the language is characteristically presumtuous for folks who live in that kind of beauracratic bubble.
They're not presenting facts, they're predicting other peoples opinions & thought processes. It made me chuckle.