Swede here, and as paranoid as the next person. I moved from Gmail due to privacy concerns. I block a lot of tracking domains at DNS level.

However, those are trade-offs with very little negative impact in my daily routines. A slightly worse UI for my email is nothing like moving from cards back to cash. It would be like moving from the Internet back to snail mail because email is insecure, or perhaps to Stallman type email/wget web browsing. Simply not worth it.

Speaking of snail mail, I send a handful of those a year and barely know where to put the stamp. I handle my taxes, student loans, banking, social insurance (for my kid), etc, online.

I would love better regulations for usage of consumer data, but cash? No way.