Sorry Mullvad is a VPN company, just in case you need that.

I always buy things with a normal bank card, why would I use a credit card on a daily basis? You will have less grip on your finances, they aren't accepted everywhere, cost more than a bank account which you still need anyway, they are at a greater risk of getting abused and in most countries using them can only ruin your credit score.

The whole no cash purchase over 3K or 10K is honestly crap. They did that in Quebec last year and are going to do that throughout Canada. I never paid for anything with that much cash, but I still find it shit.

That's the thing, any normal working human being will basically never come in a situation where this happens, and if they do, it is generally a simple explanation.

I understand privacy minded people don't really like this, but it does help find criminals. That's also a bit of an issue since high levels of privacy also mean that criminals basically have fair game since catching them will be harder.