[adwn]

And why would that be?

[thaumasiotes]

Paying for things using a payment card creates records associated with you and requires the permission of third parties.

[adwn]

I understand why you don't want to use credit cards too often, but you wrote "we've moved too far [...]". Why do you care whether other people use credit cards?

[heavyset_go]

My bank or creditors don't need to know where I'm shopping or what I'm buying, and they certainly don't need to be selling that information to the highest bidders.