Nope! Nope, nope, nope. If you're wondering how we got into this situation.. well, it's exactly stuff like this. Weird to see someone who's digging into it at all also making excuses for it.
No one ever said "I want to avoid a single extra click once every other month, so I guess I better irrevocably open my data/phone/life up completely to megacorp forever". And they certainly did not say this about tinycorp. People just absolutely suck at adversarial thinking, and good guys need to do it for them before bad guys can. Do you want organized crime blackmailing your politicians about dating apps and infidelity? Do you want to make it easy to do large scale targeting of ${vulnerable_people} the next time the cultural or political climate shifts?
Come on. Anyway shouldn't the phone OS itself handle this rather than apps launching apps?? If not.. just let people pick a payment option, and then throw an error if the option is not available.