Retail store loyalty programs are becoming a “lifeline” for the average American shopper . A whopping 91 percent of people say the programs dictate whether they’ll buy from a store more than once, according to a survey of 2,000 consumers by loyalty program provider LoyaltyLion. Gen Z interacts with their loyalty programs the most - 80 percent of them log in weekly, compared to 58 percent of all shoppers. And when they log in, consumers of all ages are looking for discounts and bonuses . Some 13 percent of loyalty program members log in daily to scan for ways to earn points, the survey found. “In a difficult economic climate and worsening consumer confidence, loyalty programs have become a lifeline for consumers and retailers,” the survey noted. Target’s ‘Target Circle’ is one of many popular retail loyalty programs (Getty Images) The typical retail loyalty program is free, and provide customers with exclusive discounts and perks.…