Not that I disagree with your point, but with credit card rewards, it is actually cheaper to use the card. So there is frequently a financial incentive as well. You can still find a few oddball stores who will give you a cash discount relative to the credit price, but those are not common.
That's the whole reward card model. As the old adage goes: if it is free, you're the product. So, then I should extend my point to "convenience or money over privacy".
