A vending machine doesn't make notes of who buys its products. A vending machine doesn't keep logs of its transactions or of the payment methods used. A vending machine does not make "recommendations" of what the consumer might like based on their past purchases. You give the vending machine a dollar, it gives you a soda. The transaction between consumer and vendor is done, and no tangible evidence of the transaction remains, other than the exchanged goods.
But we haven't figured out a way to scale the vending machine model yet, because when the machine gets stuck and fails to dispense its product, the consumer gets an attendant to help or kicks the thing a few times in frustration and walks away, because the lost dollar isn't worth the hassle. If someone paid $1500 for their laptop, however, they're going to want that convenience of being able to prove they purchased the laptop from XX retailer and be compensated if the thing is a lemon.
I'm not sure we can solve this problem, completely. But we might do better if we actively aspired to make our services more like vending machines.
EDIT: Yes, I'm aware that some vending machines these days can be paid by credit card. My university even had one where you could pay using your Student ID, which was linked to the balance allocated for your meal plan.