That leads us to our present situation, in which every single fucking cafe has these loyalty cards. Of course, since every shop has them, none actually inspire any kind of loyalty, because "loyal to all" is exactly equivalent to "loyal to none." So they're more like little frustration cards for people who like carrying around garbage. Because after every business is on the same dumb punch card system, we're back to square one, except that everyone has to go through the hassle of printing and keeping track of these stupid little punch cards.
The only winning move is to not play.
Can't the cafes just all agree that was a dumb idea, get rid of the cards altogether, and all be in a better position? The answer is "not as long as the universe functions as we understand it" and the reason is sub-optimal Nash equilibria. In order to explain that, I'm going to have to teach you some math. For that, I deeply apologize. For those who already know math, have fun pointing out what I got wrong in the comments section! I guarantee it won't be the take-home message that our lives are unavoidably terrible!