Credit or debit cards for starters are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.
Making recess appointments when the Senate isn't in recess is neither rational nor moderate. It's a raw misuse of executive power by a president whose love of government is his most vulnerable spot with the electorate.