Not sure what you are talking about. A baguette is ~1€, same for a croissant or a chocolatine. Maybe 1.10 or 1.20 depending on the place. I do it all the time. It forces me to have the cash otherwise I need to take another random item I don't really need.

At least in Denmark, people are fine paying and shops are fine receiving 10DKK (cheap loaf of bread) or whatever on a card.

I have paid 0.5DKK on a card when I've forgotten to ask beforehand for a plastic bag, and the shopkeeper cares to make me pay after.