Agreed on that, it's a weird dichotomy. I think in a way the internet as a whole has had that effect on people.
Connections in real life don't feel a deep as I remember them being in the past and its so often you see a group of people out to dinner or drinks together staring at their phones. Meanwhile I have a lot of pretty decent connections online with people I've never met in person or maybe only once or twice.
Credit card transaction fee percentages have remained about the same for quite a while, so the overhead for businesses running cards has not really changed. And interest rates for carrying a balance change all the time, but I have never once in my life paid said interest because I pay my balance off every month. That's the only responsible way to use credit cards.
In any case, credit cards aren't going anywhere for the time being. So if you're in the US or some other country where they're prevalent, you can participate or not. That's your choice. But you're paying for it anyway, as you yourself pointed out.