> I wish banks would do something and support NFC payment systems that don't require the device to be controlled by Google
There are countries where it's possible to pay everywhere with the banking app scanning a QR code. No need for NFC :-).
I use qr based payments regularly where I live, and in my home country I use nfc payments (watch/phone/card) essentially always, when we visit.
NFC is by far more convenient and reliable.
The point of NFC-on-a-phone is that you don't need the damn banking apps and internet and retailer support for all that to validate a simple transaction. My credit card has NFC, no internet and no app, and it's universal.