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I think deleting wallet will have the unintended side effect that you now cannot use Apple Pay with a 3rd party credit card . So even with an iPhone you would have to take out your credit cards to pay in store and cannot use touch or Face ID to pay in apps.

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You can still pay for apps with touch id. That payment system is separate from Apple Pay.

I'm from India. I don't think Apple pay will be a success here anymore. People here mostly make UPI transactions.

Wallet is also good for holding things like boarding passes, Clipper (transit card), passes to things like the SF Conservatory of Flowers, and your Covid Vaccine record. I would think twice about deleting it. It's actually kind of useful.

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