The "obtained from cash ATM's" part of OP seemed to be specifically targeting a higher degree of anonymity to me, but it is indeed open for interpretation. Per

The "obtained from cash ATM's" part of OP seemed to be specifically targeting a higher degree of anonymity to me, but it is indeed open for interpretation. Personally Apple pay is the primary appeal of Apple's ecosystem for me. No other intermediary's incentives are aligned to prioritize the customer in the transaction ahead of data mining opportunities.