If you have bad credit you don't get perks like that. So addicts, poor people, anyone trying to turn their life around. This is a regressive tax.

At least in Denmark, paying cash was shown to be more expensive, due to the cost of money transportation services and the fee banks charge to provide bills and coins for the change in the register.

Also the stores can’t do any analytics on purchasing patterns on you when paying cash. So all in all they prefer credit cards or registering for membership programs for payments.