I think about it more as - why would I use a card? There are multiple middlemen involved in any transaction, value is extracted _and_ data Everything I do is

I think about it more as - why would I use a card? There are multiple middlemen involved in any transaction, value is extracted _and_ data Everything I do is linked to my identity The lack of physical interaction more easily results in overspending I can't actually pay a person unless they invest in hardware (which 99.99% of people do not have), cards produce a hierarchy of "businesses" and "consumers"