Ok there are no doubt people who value those things. There are an equal or greater number of consumers who value the opposite position: 1) "My time is more imp

Ok there are no doubt people who value those things. There are an equal or greater number of consumers who value the opposite position: 1) "My time is more important to me than haggling over a price with a shopkeeper." Or, "I don't find the process of bargaining interesting, and I'd rather save that time and energy for other creative or human-connection type activities." 2) "Avoiding the time/inconvenience overhead of dealing with cash and change holds more utility to me than the promise of anonymity, and the credit card rewards are a plus."