And, if I had to guess, the booking of hotel rooms probably has more to do with liability rather than tracking. There are plenty of ways of getting a roof over your head without using a credit card; though IMO they are likely a downgrade.
While your statements resonate with me, it's a bit hyperbolic to say that electronic payments/banking are the only way of exerting the control you're worried about. I think there are a lot of good points in this line of complaint about centralized private financial systems, but the ones you're raising are a bit fringe.