> it is appalling how much these people are not interested in who actually gives their enterprise money

Why should they be?

In more than a few jurisdictions you can pay utilities or property taxes via an online portal without logging in. You just pull up a property, click "make a payment", and enter an amount along with a payment method into the portal. If you were to use a gift card for a utility payment I believe all they'd have is a browser fingerprint and an IP address. But why should that be an issue?