Ideally you decide by voting. It’s either that or you decide things by who has the most money / power / guns.
Not sure whether Sweetgreen choosing to go cashless is an example of "decide things by who has the most money / power / guns."?
This becomes a big issue as soon as all services in a specific niche do 'the thing', be it refusing cash or stuff like removing headphone jacks.
At that point, what are you gonna do? Stop using products from that niche altogether?
Ironically enough, I'd be okay with government regulations mandating a headphone jack in phones.
I think that "everyone else votes on whether I get to buy lunch" had more issues than just being inefficient.