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What part of selling coffee requires keeping records of your customers?
check their website for an answer.
Loyalty cards aren't required to sell coffee. Nor do they have to be tied to a person.

We shouldn't go along with the framing that loyalty programs and retaining all this information about customers is required to run a business.

$4,000 doesn't seem adequate if they could gain access to Starbucks card data. Given a card number, they could purchase using its entire balance, repeat ad infinitum.