> no contactless payments.

I think this is the problem here.

A lot of NFC related tech is deeply rooted in having "trusted (aka large company)", "attested (aka you can't easily lie)", secure module functionality.

What should have happened is to just not enable the contactless payment functionality for given app, even if the user enabled it in general. And not crash.

Also as others have pointed out, this might be an accidental mishap not an intended outcome.

But it's not like PayPal is known to care about small user-base edge cases (quite the opposite). Which I guess is the actual root problem.