> Android Pay is easy to get working on a rooted phone you just need to slightly modify one single SQLite database.

"You just need to slightly modify one single SQLite database" has got to be the most unintentionally amusing thing I've read all week. I'm happy to poke around in the internals of Android, but even most of my developer friends would see a process like that and go "nope, not worth the effort". Ordinary people do not know what SQLite is, or how to run scripts, so a barrier like that is a deal breaker for them.