Sure. I could also just not have a phone, or ever leave the house. But being able to pay for things with ones phone is convenient, and I miss the convenience daily. I wish there were privacy respecting alternatives, but there are not.

Google wallet not working means no tap to pay, which I consider a big loss. And none of my credit card apps (chase and capitalone) work outside of Google android, so that sucks.

I had to return the phone TWICE for exactly this problem. I bought a specifically unlocked phone, and got a locked one twice, directly from Google. They just do not care.