Cashless is coming. Cashless is basically here. All your whining is pointless.
I don’t know if we are “whining”. I can’t speak for others, but for myself, I share those concerns about financial privacy. Cashless is coming and we have to adapt, but, it doesn’t mean that we don’t have legitimate concerns.
Financial privacy ended in the 90s. Once retail got big enough computers to start using all their data points. The time for legitimate concern was 40 years ago. Now is the time to understand the world you live in and figure out how to deal.