I was a heavy user of plastic payments, then I found Google wallet to be so convinient and easy to use that I used it for almost all of my cards. Then I realized the privacy implications of using those, so now I’ve fallen back to use cash: I use my bank cards only on the ATM to withdraw cash, and ocassionally I use my CC on big purchases or online shopping only.
Crypto has never enticed me enough.
Disabling it at bios level does not suit your case?