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You will always have the option of sticking to Apple's recommended practices (their app store, their payment system, etc.). So what's the issue ?

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I won't have when my bank decides their crappy app is better than Apple Pay, when an app I rely on decides to leave the app store, etc. Sure, I can find another bank/app, but I use the ones I use because they have the best conditions/features/etc for me, which others may not have. Or I can't even switch, because the app in question is required for work/public transit etc.

This does not happen on Android, so why should it happen here?

Most people use Google Pay there, bank apps with payments is something that is used rarely, but there is such possibility.

Here in Germany, “Sparkassen” and “Volksbanken”, which together have >50% market share, both don't support Google Pay, instead providing their own (according to acquaintances using them, not that good) payment apps. They both support Apple Pay, though.

But it does .. It does happen on Android. Plenty of banks refuse to support Google Pay, and will instead leave you with their own crappy app. They all support Apple Pay though.

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