That’s fine if your bank provides tap-to-pay plastic, but not all do, so you end up more vulnerable to skimmers.
Each contactless payment generates a transaction-specific, one-time code, that is extremely effective in reducing counterfeit fraud.
https://usa.visa.com/pay-with-visa/contactless-payments/contactless-payments.html



What awful syntax?
Ffs bash uses
echo "${filename%.*}"andsubstring=${string:0:5}andlower="${var,,}"andtitle="${var^}"&c. It doesn’t use$for assignment, only in expressions.