As I said most places accept other options of payment and the pay later part seems completely irrelevant unless you have money management issues.
> "oh it's Joe, I'd better answer"
Usually it fails for people I know. Which makes it anoying since I usually can call back my mother later as she tends to call every few days, but have to answer when its my landlord who only calls when I missed something important.
> but rapidly reaching the point where even the existing & concerning bugs are better than facing distracted/drunk/debilitated/dumb human drivers.
Amount of drunk drivers I face daily on average: 0.0001. Amount of self driving cars is see daily if we adopt them completely: ~500.
I would still take my risk with running into that one drunk driver over several thousand buggy cars daily.
Most people find "swipe and pay later" far more convenient, "pizza shop already knows where to deliver" & "oh it's Joe, I'd better answer" far more convenient, etc. Yes they're imperfect, but the flaws aren't "all the time" - they're lost amid the overwhelming convenience.
Opposite your "complex piece of software that can reliably control a car" is "humans who damage/injure/maim/kill other drivers with alarming frequency" (but the aforementioned overwhelming convenience mitigates our concern). Sure we want "no significant bugs", but rapidly reaching the point where even the existing & concerning bugs are better than facing distracted/drunk/debilitated/dumb human drivers.