I diversify my payments, wherever I can - but not too much, since the other end is relying on too many third parties. I use SIMPL as a second layer for small value transactions, as it shows up as a single line item on my CC statement.

This is also a country where millions of people give their transaction data willingly to companies like Walnut.

Yes, this disturbs me also (I also prefer cash). Unfortunately cash is regarded as "old fashioned" by many.