Yes but here’s the thing. I bought my iPhone because it’s damn simple. I don’t like spending time on my phone, simple is efficient. I’m envisioning a future where I have a folder full wallet apps because every debit/credit card institution creates their own. All circumventing the privacy restrictions Apple forces on their AppStore. Truly the consumer has lost in this situation. If I didn’t want to use the AppStore - I would have bought a different phone.