Let Me Give You My Money!!
I am a firm believer in the saying "the best technology is no technology". I try to apply this saying to things in my daily life, for example, if I wanted to write some notes, I would simply use a plaintext editor such as Vim instead of some "fancy" dedicated software for taking notes (either that, or I would just use pen and paper).
I believe that this saying is best understood as rather than not using technology at all, simply opt to use the simplest technology that will effectively do what you want to do, as this reduces the possibility for error, as well as the amount of technologies you need to learn (letting you focus on mastering a few select technologies rather than having a minimal unerstanding of a lot).
So, the point I am getting to with this is that I believe using "digital" payment methods (e.g. a credit card or an "app" on your smartphone) is a horrible overcomplication of what transactions should really be. I can understand wanting to use "digital" payment methods for "digital" purchases, e.g. if you are buying something off an ecommerce site such as Ebay, however I will never understand the use of these technologies for in-person transactions, such as at a coffee shop or supermarket.
In addition to this, I believe that the use of "digital" transactions is very often unethical, mostly due to how these systems run off of non-free sotware and how each transaction is logged by both the bank and organisation you are purchasing from. This sort of tracking upon customers is unethical, the only information that is ethical to store is information that is regarding your own organisation, not the customers who are shopping there. Tracking who buys what and making profiles of customers is highly unethical and is a breach of that customer's human right to privacy, both by the organisation that is logging these transactions, and the bank that logs these transactions on their end as well.
Therefore, I always opt to pay with real money rather than through a "digital" payment method when making purchases in person, and avoid using ecommerce sites (especially Amazon). If a business says that they only take "digital" payments, I will either refuse to shop there, or will relentlessly encourage them to allow me to pay with real money, and I encourage you do to the same as it is the only way to resist being forced into paying with a "digital" method.
Some people would make the argument of "surely using digital payment methods is safer because you can get your money back from the bank in the case of theft!", to which I respond by saying that I would rather lose the little amount of cash I would be carrying on me than to lose a card that allows access to all of my money, because you can never know really for certain that the bank will give you your money back. I also believe that my argument helps to provide a reason for why personal self defence should be encouraged further and for why people should be better protected by the law when it comes to self defence, since good self defence could stop situations like this entirely.
So, all in all, I believe that anything that tracks and profiles the user, such as "digital" transactions, should be abolished and replaced by privacy respecting methods such as the normalisation of paying with real money. I encourage you to also resist these "digital" transaction methods and to encourage any shop you visit to accept real money for purchases.