Wallet was one of the reasons I abandoned my well working lineageOS phone on a redmi note 10 as it was a cat and mouse game over month. I feel as long as a vendor does not support an os and Google is so hostile against modifications, it is not a good feeling that they can pull the rug at any time. I was multiple times in the situation when I wanted to pay with the phone and was in the end rejected. I think we need to take NFC wallets and esims away from phone/os vendors again. A seperate NFC enabled vendor independent trusted platform would be IMHO the way to go. Especially with ID wallets and universal bank wallets on the way in Europe. This that they cannot use security as a killer argument to keep us in their walled gardens. I know the solution is cards or a second phone, but affordance counts.