Fees are standard and handled by the retailer, not the customer, and outside of American Express, what "incompatible" cards are there? Almost every bank uses a Visa or MasterCard which are accepted pretty much everywhere worldwide. I don't know what you mean by "unbanked" as legally everyone is entitled to a basic account, at least in the UK. If you're so privately minded you won't use a card, that sees like a self induced problem with your own paranoia.
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