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One problem no one has mentioned, is that it also makes life a lot harder for homeless people.
But to those who organise those systems, they’re not consumers with disposable income or a credit line to spend. They are happy for them to fall through the cracks and people not using cash penalises them further by eradicating charity and widening divisions.
It is functioning as designed.
Reddit admins have already put things in place to counter editing or deleting comments.
I deleted an account from 2011 yet when I searched on Google for “site:reddit.com account name”, it listed loads of posts with their previous content (I used the script that changed all the contents before deleting).
All SM sites have been doing this for a while: they’ll shadow delete your account but will retain all the data.