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.