Kind of sideline here but..

Tim Hortons had gift and loyalty cards ("every 7th coffee free"). Then they introduced an app with "rewards" as an alternative to loyalty and gift cards. Then the app turned into a bank. Then they stopped the physical loyalty cards. Now you can't "earn" free coffee without giving them your personal information and signing up for the bank of Tim Hortons. It's ok though. I stopped being a customer because of it.