I agree it is a nice perk. But I can't say it is anywhere close to "orders of magnitude" better. It was nice to not have to dig out a credit card for each purch

I agree it is a nice perk. But I can't say it is anywhere close to "orders of magnitude" better. It was nice to not have to dig out a credit card for each purchase. But that is pretty minimal friction. And possibly welcome friction for those not on an unlimited budget.