While they're incentivizing me to learn the ropes and be more efficient, I'm secretly incentivizing them either to respect my privacy by accepting cash payments or to compensate me with a discount for giving up some of my personal information. I wonder which of us will learn the ropes sooner.

On a more general note, I prefer to tell people that I'm too old for newfangled stuff like smartphones, because I prefer the reaction of condescending reassurance to the alternative of hostility evoked by saying I've made an informed decision not to own one.