And has the potential of being tracked by said companies and service providers

Whereas your crypto transactions are literally published on a digital distributed ledger for all to see including those self same companies. I thought the transparent, digital, decentralized public ledger was the big reason to use it?

Further, I'd suggest you read up on NFC and tokenization, it's not true that the companies in question actually do get access to that information unless they have separate-from-the-technology arrangements with payment processors.

In either case I'd rather be tracked than bankrupt.