As I’m sure most people would, I almost just hit Checkout but happened to see the text below. I am also sure I would have caught/removed it from the check-out page but maybe not. I did complete my order without ‘package protection’ but am sending an email and probably won’t order again unless their response is acceptable.
Edit: I’ll probably send the email after I get shipping confirmation :)
The Credit Card fee makes sense if they accept non-card payments. If they just build the 3% into all prices, then they’re effectively collecting the fee for people who pay via other means as well.