Ryanair is a business and will, like any other business, seek to generate sufficient revenue to exceed costs. Credit cards fees are simply revenue. If you don't want to pay the £5 fee, get a prepaid Mastercard. It's not difficult, some are available for free and I refill mine instantly via the issuers website. I'm quite happy that others can't be bothered. Them paying the card fees means I pay lower airfares. This week I flew to Bremen and back for £3 each way. I'm not complaining.