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.





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.