With a way less harsh tone, I agree with your first point. Credit cards magical for the user but are full of deamons that they cant see just by using it. I'd prefer a cash only society to one where a private company controlls all access to money. Hybrid is alright but makes the situation maluable (in my country, because of the card, some compamies will make it hard or refuse to take legal tender).

"Pls use our brand-spanking new web UI that loads a shit ton of Javascript and steals your data on top of it!"

You derailed your point, biggest thing you can do right now is use ublock or noscript. Pull as much money as you need in cash and live off of it instead of using your card.