The same reason you love it is the reason I don't use credit cards. I don't like anyone having paper trail of all my purchasing history. And I don't use any loy

The same reason you love it is the reason I don't use credit cards. I don't like anyone having paper trail of all my purchasing history. And I don't use any loyalty cards, since that's just another way of tracking. Offering 2% payback on credit card purchases gives those companies a way to upsell you a lot of unwanted stuff because they can target you very accurately, and in the end you pay more in total. I like the fact that in Germany people don't use credit cards at all, and EC cards rarely, or only for purchases they deem are worth to be tracked, like utility bills or similar. Then, if my landlord complains that I didn't pay on time, I have my bank on my side to happily provide transaction id of the payment as an evidence.