I'm very happy to live in Canada, where Google Pay is completely irrelevant thanks to Interac. I can walk into any business with a payment terminal and know that my debit card will just plain work, no matter my back or credit union. And I can send money instantly online to anyone else who also has an account at a Canadian bank or credit union.

Of course, this means that my bank knows all my transactions, but not using a bank is orders of magnitude harder than not using Google.