Can you imagine that this could be actually a matter of personal preference? Some people may not use Gmail, or any free email services. Others use Apple Pay so

Can you imagine that this could be actually a matter of personal preference? Some people may not use Gmail, or any free email services. Others use Apple Pay so the acquirer and bank cannot know what items you bought, and the merchant cannot know your credit card number. Finally, some people enjoy having a digital ledger so they know what they spent. Do you feel your harsh words are justified here?