I am from the UK. My credit card currency is GBP not USD.

To avoid getting buggered by my bank with the outrageous FX rate they apply and the international transaction fee on top...I carefully watch the market during the year and convert all the GBP I will need for my BVI holiday into USD cash well in advance.

My credit card doesn't get used once in the BVI. I use cash for everything. And I save a fortune by doing so.

...if I use a Boatyball, then I will have to use my credit card and pay the outrageous FX rate and international transaction fee every day.

So as a Brit...i have to pay way more than everyone else for the balls?! How is that fair?

With FCFS I get to use cash and its a level playing field...