And therein lies the crime: If you don't have a credit history because you don't earn enough to be interesting to the card companies, or if you've fallen foul of the criminal interest rates they change when you can't work because you're sick, or for any other reason you want or have to pay by cash, you are now subsidising people getting their "card benefits" (cashback, free balance transfer and the like), and the costs of allowing people to use these new "convenient" payment methods as retailers pass on the cost of each merchant transaction and the capital costs of the new card readers, the extra phone lines and so on to you the buyer in the ticket price.
If credit cards / contactless / Apple/Android/Google pay had nothing to hide in terms of cost, why did the government feel it necessary to pass a law stoppping people passing those costs on?