I understand that US has a weird tipping culture which results in such UI.

But these UI's are occasionally slipping into a countries where tipping is not expected.

This leads to a strange situations like "transaction isn't approved by me because instead of ApplePay and walk away, I need to solve some quiz on a payment terminal or payment will not pass".

Every time this happens, it annoys me a lot which affects my wish to visit this place again.