Anyone with the money can get a prepaid Visa, MasterCard, etc. at virtually any grocery store. Though technically “gift” cards you make a purchase the same as with a credit card. They even say, right on the card, “Cashier, run as credit card.”
Oh I can hear you now ... NO you idiot you go to a DIFFERENT store to buy your "gift" card (and pay a fee for the privilege) and THEN go to the store that won't take cash where it's apparently now legal to charge you a "credit card" service fee.