Governments frown upon KYC-less digital purse cards. Gotta force everyone to share their national ID number to just open a bank account to keep out drug dealers, terrorists, or NSFW game peddlers.
replyBanks generally don't like disposable digital purse cards. They make money off fees and interest. If a product doesn't rope you into a customer "relationship" where you link your pay deposits or later might get a mortgage or car loan they can only make money off fees. Enjoy paying $5 to activate a $100 prepaid debit card!
Credit cards provide convenience and cash back benefits. Some might prefer to pay cash for everything for ultimate privacy, and that's fine. But credit cards are the compromise I make. I can still pay cash when I think it's appropriate for a given transaction.
replyUsing Google or Apple Pay so I can tap my phone instead of my card gives me no extra benefit that I care about and complicates my ecosystem with another party.
> cash back benefits
replyOnly in the U.S. In many other countries the processing fees are regulated by the government so the banks can't afford to give you your "cash back".