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I don’t see why most of that would be necessary. Why do you need to be able to pay from your phone rather then a card? Why do you need your ID on your phone rather then a card?
Of course it’s not necessary, but it’s nice to have - it’s convenient.Thas always the decision you have to make. Either you sell away your data and freedom, and live “convenient”, or you don’t.
I know that some people have gotten Google pay to work on their rooted phone, but I’ve had no luck on my Samsung