But this is not what is happening in Norway, isn't it? There's no alternative offer on the table, there's not even an invitation to propose an alternative, there's no opt out, only govt wanting to get deeper into private people's business.

I didn't dig into it but I assume you're correct for this Norwegian case.

I guess I was more curious if the main point of contention was the mandatory part of it or whether it was more about the fact it was coming from the government. I think some people distrust government so much that even if it were offered as opt-in, using a similar approach as a private company, some people would still trust a private company more than their government.

This must exist in some places now. I once got a discount in Sales Tax in Honduras (about 1%) for paying with my credit card instead of cash in a restaurant.