There are two types of people.
Those that see the cost and attempt to rationalize it.
And those that know it's not about
how much it costs but are insulted
that it costs anything.
It's a problem on purpose.
Square IS a business, and a server transfer is a service and therefor has a nonzero value. Except, they are purposely ignoring the problem for profit.
(just like literally every other company, cause a problem, charge for a solution)