Web browsers can work from day one. I used my web browser for all my mobile banking for months when a bug rendered the app unusable.

Tap payments might not work until banks make apps for it (or more likely until android compatibility layers are provided) but you'd have to be pretty petulant to suggest that this feature not having first class support from day one makes a device unusable.

Google is going the way of apple-like full control over their mobile devices while even lower end modern day phones are easily capable of surpassing the computational needs of 99 percent of daily users. The use case for mobile linux devices is growing all the while cost per unit sold decreases.