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Japan is living in the future that the 1990s dreamed of.
(startrek.website)
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You put paper filing and cash society on the "bad" list. It's like it's wrong for people without an internet connection or privacy conscious people to file stuff. "Pls use our brand-spanking new web UI that loads a shit ton of Javascript and steals your data on top of it!" Oh and cash society. No, why would anyone want to pay in a privacy-conscious way. Naw man, pay with a card...
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).
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.
It's not about having the option, I love having alternatives. It's about 90s ways being the only choice when they could have better options. E.g. You need to send a form. It's already a pdf file, send it by email, right? No, it has to be physical mail... or fax if they have a number. Oh, and you have to stamp on it. No pdf. Multiply that by time constraints and local bureaucracy mixed in.
Oh, another fan of living in a stone age.
It's a downgrade if you can't choose the stone age way. And with things like physical cash that downgrade is pretty bad. I don't want a record of the 15€ my friend gave me for stealing the bathroom key last time we were at McDonald's.
Cash is traceable for decades now. Don't worry, everyone knows what you're doing.