Most people do.
In 2019, there were approximately 22.8 billion credit, debit, and prepaid cards in use worldwide. This number is expected to reach 29.31 billion by 2023. The number of general purpose and private label debit cards increased 3.8% to 6.28 billion between 2019 and 2020. In 2021, the overall credit card in circulation reached 64 million. According to a Forbes Advisor survey from February 2023, 54% of consumers use a physical or virtual debit card and 36% of consumers use a physical or virtual credit card.
And the vast majority of those not using them are not valuable as customers.
Accent, clothing and style.