I agree with that, and commit on the long run, but it's missing the point. If at a given moment I need it, I need it. Even in a community car pooling, someone has to turn money into gas. If the only way to do that in this specific moment in space and time is with a credit/debit card, well I need a card, be it mine or someone else's.

We need to think of communities as extensions of our individual/family lives. Interacting internally under the conditions you all apply. Then this "body" as a proctetctive shield can deal with the world. E.g. get an anonymous credit card that the community refills from their crypto holdings. If your community gets big enough try to make deals directly routing around their privacy destroying intrusive stuff.