Phone payments are your future : https://squareup.com/wallet
It covers all the bases, gps location, habits, personal information etc., might as well have that mark in your forehead or right hand.
A cursory look at how the smart phones were propagated/incentivized and adopted willingly all point to an engineered understanding of the human psyche.
You don't have to stray very far in your choice of news programming to find that the ability to apply all of your social media data to an algorithm and generate actionable results exists. Heck they openly boast about being able to shut down your twitter access if you find yourself in an area under a police action. They can use a mobil cell tower spoof that funnels ALL your data/voice, you would be non the wiser, your phone just thinks it a legit node/access point.
The later actually reveals the possibility for nefarious theft of your IMAGINARY DIGITAL CREDITS, a real man would have to risk life stealing your purse/wallet, not so much now.
Like you, I enjoy technology, it just has to be continually weighed, cost/benefit.
What are you willing to give up for a little perceived convenience....