Wrong. Cryptocurrency demonstrate what electronic payment system should look like: without ability to sell user data and spy on users. Cryptocurrency is the payment system which is designed only for payment without unnecessary features.
Today if you pay with card you basically consent to collecting your data by corporations and following you offline and online, creating a detailed history of your activity. Corporations exchange data with each other, so using card on only one site or in one app can make your identity known to hundreds of other sites even when using incognito mode. With face recognition surveillance can be extended even to places where you don't use the card. And there is no way to opt out from it.