I'd like to take a moment to appreciate a tiny "UX feature" that punches above its weight: When multiple physical cards have different base-colors to their plastic, visible along the edge.
This reduces how often you even need to check the face of a card. With several in one sleeve/stack, you can slide out the one you want, knowing that (for example) blue is credit, green is debit, red is the shared family one etc.
With my kind of wallet, if I had to pick I'd rather customize the edge-color versus the faces.
But it is exactly as bad as they describe it. My bank doesn't provide color options for my cards, and there is no way to distinguish my two cards aside from the displayed four digits.
Apple wallet solves this in a similar way, letting you arrange the order
First instinct, double tap the side button to open Wallet. Couldn't rearrange the cards there. So,I opened Settings app and couldn't rearrange the cards there. Finally, I opened the Wallet app and found I could rearrange cards there, though there's no visual indicators that I can. I accidentally changed my default card on the first attempt.
I have the wallet shortcut in my control centre. If I use it while on the Home Screen, I end up in the wallet app where I can rearrange and change settings for the cards. If I swipe down the Notification Centre, on my still unlocked phone, and then also swipe down the control centre, and then use exactly the same shortcut, I now end up in the “double-click to pay” version of the wallet, with no rearranging.
Sometimes there seem to be two different apps - the transition to the full app is a sideways transition, while the double-click version slides down from the top of the screen.
However, if I am in the full wallet app, with rearranging options available, and I double-click, it changes the wallet app to the double-click to pay version with no transition.
I notice I am confused!
I agree, it would be nice if Apple added stickers, but the problem isn't, IMO, as bad as you make out.
Exceptions include transport and concert tickets. Most of the time this doesn't cause problems because I'm standing with the other people I'm travelling/gigging with, and the agent scanning the tickets doesn't care about any names on them.