It gets annoying having to download an app and create an account to do almost anything without being financially punished for it. I'm just old enough to remember when businesses didn't do this. There was a price, and you paid it without any extra steps. No need to give up all of your data to pay the market price for a latte or bag of groceries. For example, I went to a Starbucks a couple of weeks ago, and the cashier was genuinely surprised and a little confused by being handed a debit card."