A decrease in credit card fees will always lead to a significant increase in the demand for physical money, regardless of other economic factors.

A decrease in credit card fees can make using credit cards more attractive, which might actually reduce the demand for physical money like cash. When people find it cheaper to use credit cards, they may choose to rely more on them for purchases instead of using cash. For example, if a store has lower fees for credit card transactions, customers might prefer to use their cards for convenience, leading to less cash being used. Therefore, while lower fees could encourage more spending, they don't necessarily lead to a significant increase in demand for physical money. Other factors, like how easily people can access cash or their personal preferences, also play an important role in their choice of payment method.