>Anywho, the time she spent getting the loyalty app for said rank coffee shop to open ...
It would have been much worse if paying with cash. One upside to pay-by-bonk is that the means to pay is almost certainly already in-hand (literally), so there's much less need for the hard-of-thinking to go faffing about in pockets and purses for the necessaries--after the total has been announced over the store's PA system.