I don’t know, just because you don’t struggle doesn’t mean you don’t want to keep the value of something you worked for. And the value of the furniture (or any product) would be determined by the voucher cost. Something costing a lot of vouchers will be seen as valuable because it takes a lot of time and effort to acquire it.

And I would say there’s quite a lot of privacy you’re able to achieve, it’s just not the default. I live in a country where cash is still the default, often times you’re unable to pay with card at all. Plus, there are a few ways to pay anonymously online using certain crypto currencies - although this has a ton of drawbacks and is mostly used for illegal purposes.