I'm almost positive they get paid the same at the end of the day either way and the $45 just lines the pockets of someone on the top.
Do you not see how an organization discouraging the use of something inefficient benefits as a whole?
Thats why cashless businesses exist, why you pay more for things that involve human attention instead of automated online solutions etc.
It's not that they'd pay individual employees more, it's that they'd hire more workers to account for the fact that their existing workers are tied up doing extra verification.
Though they might not do that either.