It’s all a marketing con.
It has very little to do with marketing. They’re catching up to the other agencies that have already responded to what customers are aaking for.
The move to digital everything is here to stay and accelerating. No amount of head-in-the-sand pessimism is going to stop it. You can keep using your plastic. No one will stop you. But very few people under 40 have any interest in carrying around a plastic card.