I think it’s more about the fraud rate than pure prudishness. On one hand you have real hackers testing stolen cards. On the other, found out spouses claiming they’ve no idea about charges and charging back.
All they care about is their cut, but they don’t get it here as often as with traditional sectors.
I got a smartwatch recently and after describing using/wearing it my sister said “you turned yourself into a tamagotchi”. Might not have an avatar, but it’s fairly gamified.