Megan, I don't like this, and I suspect that this "blame Obamacare" meme is being spread by lying liars for political reasons. But a lot of small business people buy it, so we're going to have to live with it.
I guess if I were in your shoes and I liked the hairdresser, I would just make it a point to have cash when I went in to see her, even though I normally don't. If I liked her and didn't want to do wrong by her, I would just consider it a small cost of doing something good.
On the other hand, if I wasn't that attached to her, I'd probably just go somewhere else.