And I see the same issue when I go to places that only take cash: people have to leave because they only have a credit card. Or they pony up some ridiculous fee to take cash from the ATM in the bar.

> credit cards are another way to get tracked

I personally don't care too much about this, but I can understand why some might.

> a great way for a duopoly of companies to skim 1-3% off the economy

Put another way: a way for a duopoly of companies to get paid for providing a useful service to both businesses and customers. Now, you can argue that if there was more competition, fees would be lower, and I wouldn't disagree with that. But it's a bit disingenuous to suggest that the card networks are just taking and not providing any value.

> a way to be analyzed by the merchant

Basically the same as your tracking argument. Some care, some don't.

> a way to get more explicitly prompted to pay a 20% tip

Shrug? That's life? I feel pressured to tip regardless of how I pay. At least with the POS terminal I don't have to do math.

> and more hassle than handing a $5 for a $4.73 coffee and walking off.

It's pretty rare that I see a bill for an even amount of money. It's way more hassle to have to dig through my pockets for exact change, which I never have, so in reality I'm passing over a larger amount and waiting for the cashier to make change for me. And then I have to decide how much of that I want to leave as a tip. That's certainly more hassle than just tapping a card and a tip amount, and walking off.