We had that for many years. But banks stopped supporting their own payment solutions because despite not having to pay commission to Google, it was more expensive to support their own solutions.

That should also tell you that almost any open source / non-profit solution is doomed to fail due to costs. What could work is if, just like the UnifiedAttestation initiative has commercial backing, Wero is expanded to also have its own NFC payment stack. The EU already forced Apple to open up NFC, so it is possible to do it for both iOS and Android.