I can beat that.
We had smart cards at a place I worked.
You took a tenner out the cash machine on site.
Then topped up the card using a machine that refused cash on a completely random basis (i've seen it take completely moth-eaten notes, yet refuse perfectly good ones), and was always slow to have its firmware updated when notes changed.
Then you paid with the smartcard.
You could also pay by plastic, but you got treated with absolute contempt for it.