If I’m the guy in the booth, what do I care? I get paid by the hour. It makes no difference to me if I have to count out a bunch of pennies. It isn’t a hard job.
The only people inconvenienced are the drivers behind. The purpose for the various toll rules (no pennies, exact change lanes, etc.) are for other drivers, who do in fact value their time and would rather not get stuck behind people at toll booths.
But you won’t really block me, because I’ve got an EZ-pass because some people actually spend money to not have to get stuck behind other people at toll booths. I hardly ever go anywhere where there are tolls, and I don’t commute or anything; it is just cool to be able to drive past toll booths.
When I pay in pennies, no alphabet soup knows from whence I came and to where I'm bound.
Your flash card, as "cool" as it is, lets everyone know every where you go and from whence you came. To each their own.