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(cash users basically indirectly subsidize card users as the merchant has to increase prices all around to pay for the card transaction fees. the card users get a "rebate" back through card rewards while cash users don't. to use cash is to slowly bleed)
at some point you can't even call it a bubble just like you wouldn't call the company you work at a "cult" because by being such a huge part of your life the dynamics change words like "cult" or "bubble" imply that they r sth "bad" to be avoided but it's just not possible
trying to avoid them just makes u a rebel w/o a cause. like reading the gervais principle too early in ur career and not being able to take performance reviews seriously enough to do well on them
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