Like a lot of people I just want my phone to work as a phone, have good battery life and pick up emails on a large readable screen. Not interested in games, data grabbing apps, subscriptions to music or films etc.
I have no idea why anyone would use one of the google/ apple / whatever pay systems or the contactless debit cards. A huge security problem in every case and your responsibility to prove you did not make a transaction as there is no secure pin or whatever. All of this at your cost in time etc obviously.
On top of this the phone pay systems have the added benefit of all your transaction details passed on to the fucking leeches ( google / apple etc) to make money from and to inconvenience you with adverts and monetise the data even further.
I will carry on making BACS payments from my secure(ish) pc and pay by Credit Card which at least has some level of accountability and audit. It will be a sad day when I decide that the extra two seconds saved in typing in a secure password over waving a card at a small box with no way of proving that it was indeed a valid transaction.