I have a possible workaround for the "how can I pay for things" part: don't use Goopple wallet, carry a card (and maybe some cash)?

Tap to pay is your phone emulating an iso14443 smart card, which is what a contactless bank card is. Carrying a card is of course another thing to carry, but on the plus side they don't need charging every 24h and they won't be old tech next year when the iPhoxel n+1 incrementally better edition is released.

All apps on the App Store force you to use Apple's payment methods, and all apps on the Play Store force you to use Google's.

Yup. I lost all respect for Apple's arguments that they should be allowed to gatekeep after they colluded with Google and Twitter in blocking the Parlor app right as it started to take off.