The tracking would still happen in this case. The places selling, and shippers, would be generating the info to the CC and insurance companies for sale instead of the CC companies generating the info to sell.
These data collection points are already happening, where the stores are generating their own data collection and selling it. That was and still is the purpose of the member rewards program every store offers. You are the paying them in data to get that couple percent off or points or whatever else the scam is.
The CC use thing wouldn't be a roadblock as much as it may sound, it would simply be a shift in collection points to the already other active points. Data collection is a massive industry today, its just not public.
Data collection is only valuable if the source data is. Don't use real names when you pay cash.
Names matter less and less when things are shipped to an address.
I pay with cash often, but I walk into a store, and buy my item and leave.
Getting anything shipped to an address is already a tracking call these days, regardless of the recipient name or item. This item was shipped to this house.