If you really want to get right with it, use cash in person.

In person is the only reason to have nfc anyway so cash sidesteps all the data concerns and you don’t have to choose between trusting a particular big corporation, yoloing it with Jim’s third party processing app or raw doggin’ the possibly a skimmer payment terminal.

People will say “well, what if they track the serial numbers of the bills dispensed at atms or deposited by a store?” but that just means they don’t understand how retail works and shouldnt be listened to.