Or Apple Pay can just be like Google Wallet is on Android? The alternative is not multiple apps.

This is the government's problem. I tend to be on the side of less government, but it is so obvious that payment facilitation should be a service provided by the government. The government is just allowing corporations to collect rents, because they are lazy and incompetent.

A possible compromise is to allow Apple Pay to be a monopoly as long as it doesn't charge any fees.

Now do developers.

I don't really care about any of Apple's business partners being upset about their business terms with Apple. Developers want a bigger cut, banks want a bigger cut, Foxconn wants a bigger cut.

My interests as an Apple user are aligned with Apple. But even if I wasn't an Apple user, market forces determine what the "fair" cut is for everyone.

granted i am a bit of schadenfreude at the thought of poor poor megabanks having to pay....fees...

I would use my non-profit credit union Wallet if it meant less fees on their end.

Walmart only relented because they finally broke through the final missing link of the contactless issue. They got customers conned into giving their phone numbers at checkout, just like it's the grocery store.

Cards get linked to accounts automatically behind the scenes based on first6/last4 card number tracking, then everyone else self-selects to punch their phone number on the screen.

Same reason Walmart Radio is such gruesome auditory cancer, it's part of the data collection and advertising vehicle.