There are other full featured smart watches like the Garmin Enduro 3 with several weeks of battery life (or even longer with solar charging). Of course it's larger and more expensive.

https://www.garmin.com/en-US/p/851039

No one really needs payments on their watch but I'm surprised that anyone wouldn't want it. It's quite convenient, and gives you a backup option in case you forget your wallet or something.