This only works if everybody does it.
Otherwise the only person you're hurting is yourself. I'd guess that most people would find these practices annoying but not enough to get in the way of an otherwise excellent dining experience.
Most higher-end places around here are so busy that they require reservations made weeks in advance...they're not going to miss you and are probably glad you're not coming in the first place.
We all know that we were paying these fees before, embedded in the cost of the product. It has always been accepted as part of the cost of the product, just like wages, rent, raw goods, etc., and like taxes, and business fees, these all form part of the overhead of any commercial enterprise. When an enterprise decides to shift one of their overhead costs to me, while keeping their prices unchanged, that is nothing more than a forced upcharge. When it is done alongside making the transactional experience structurally less convenient for me, I am out.
This is no different than a restaurant imposing an "employee wellbeing" type of surcharge on a bill, which I have heard of happening. Don't shift your employment costs on to the customers, just raise your prices if you want to pay your employees more, or make more money in the case of the CC fee issue. I will then decide based on the price/value relationship whether I want to patronize the place.
If a restaurant wants to try and present their business management as an exercise in which the customers are required to pay specific identified elements of their overhead costs, and to lose a convenient form of payment in the process, I am out.
I think that only
enough people have to do it for many places to stop the practice. Some never will, of course, and I guess that is a win-win scenario. I won't miss going to any restaurant that is taking away a convenience option, and increasing their gross revenue by 3% over what they previously charged me while doing it. And they may not "miss me" exactly, but when that restaurant is not full, I think I am, objectively, going to be in a better place than they are without my revenue.