People who use cash or non-point earning credit cards are subsidizing the local and international travel and accommodation of people who use points earning credit cards.
While the amounts involved are small, they add up to something substantial and useful for the point earners.
I've used those points to pay for many hotel rooms and some flights.
As for Sweden, I found it weird back there in 2018, where some small places like cafes refused to take any cash whatsoever and insisted on cards. Luckily my credit cards worked, but there have been cases of people visiting there who's foreign cards didn't work. Usually, I try avoid using credit cards in small shops when overseas, and didn't like it at all being forced to use them.
Regards,
Renato
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