This defeatist attitude, as well as "all-or-nothing" one, is one of the major privacy enemies by itself.
modern cars
You can not own a car at all, have an older one (which, granted, is not quite a universal longterm option), or from what I've seen in discussions - depending on the model, a lot of them can have the telematics units disconnected.
phones
Not using a smartphone, leaving it at home or using a Faraday cage (same goes for a dumbphone), using Lineage/Graphene/whatever on it.
credit cards
Cash. Even in a lot of online stores (the smaller ones, not large universal Amazon-like) I've shopped at you can order delivery to the store's office (which is usually at no extra cost) and pay with cash.
Yes, there are a lot of areas where you have lost. But that doesn't mean you should give up on everything at once then. Privacy is not binary, it is a spectrum.