You don’t NEED tap to pay. I literally never use it, ever, unless I have a card with a bad chip (happened once).

Forgetting your wallet like a dummy doesn’t mean you NEED tap to pay, it means you need to remember to bring your wallet.

Also, there is nothing you NEED the Costco app for, an org like that can’t lock things behind an app to function because their customer base is too broad, they will inevitably have old people with T9 Nokia bricks still. It might have been the most convenient way to achieve it, but it’s not a requirement - even if that particular sales associate didn’t know how and would have to phone a friend.

All that to say I’m not trying to convince you to use gOS; I fully recognize that security is on one end of the spectrum from convenience, and we all choose where we want to be on that spectrum. But I felt the need to counter your claims… Nobody NEEDS tap to pay smh. If you care about privacy at all you wouldn’t be linking cards to apple or Google, adding yet another layer of giant data collection to some of your most intimate data.