Google's monopolistic stranglehold on Android results in poor experience for power-users, and artificially restricts choice for those who have older phones. For example, Google Wallet is the de facto way to use NFC payments on Android. There's one problem though - it only works with Google's Android. If you have the temerity to install a 3rd party Android OS - like the hyper-secure GrapheneOS - …
Needs Play Services, not interested. I’ll stick with cash for now, it’s less traceable anyway (if you use coins, bank notes are numbered and thus traceable)