The tradeoff is you will be giving the merchant your cc info instead, which is not really a good idea if you are dealing with one off transactions as that data is a way weaker link and have more dire consequences when compromised. When it comes to money, someone will always get your info, it’s just a matter of choosing who you want to give it to.
Nah no need to fear, US would intentionally not use any of them just to own the libs. If they won’t copy good city building, there’s nothing to fear.