Yes, that is a relatively minor thing, but it remains a way that despite being "staunchly pro-consumer", they're less pro-consumer than traditional taxis.

> How do you charge that person then?

They could require a credit with Uber sufficient to cover that charge if someone wants to take a nighttime Uber ride.

> Lot of companies also use credit cards to tie account to a person so they don't abuse the initial sign up bonuses.

Yeah, but still, companies tracking purchases via credit cards is definitely not "pro-consumer".