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If I have a handful of items and there's an opening, I'll use the self checkout, otherwise I'll stand in line to have the cashier do it.
The prices at the grocery have the cashier/bagger factored into them. If I'm paying for a service, I'll use it... that's also why I won't bag my groceries (even if the line is backed up and cashier doesn't have a bagger available).
If the self-checkout lines offered a small incentive to use them (couple % off total) I think I would use them more.
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