No the vast majority of people really don't need this. The feature can be nice to have. If you don't have it you'll go around tapping your credit card like normal. That's how I see most people around me make payments.

You could make the argument that not having these bells and whistles can make your platform seem less attractive and to an extent that might be true but I think you're missing the point.

No one said Linux phones should launch and be immediately competitive with android/apple flagship products day one.

People who care enough about FOSS and privacy have ample reason to accept the trade off of not having some of these niche features.