@Netzblockierer It makes sense, but it comes at a cost. Using apps for payment when I shop, can save me 1% extra "bonus". It's a shitty sales gimmic, but this can add up to be a bit of money over time...
We have a "paypal" like thing here with zero fee for transactions under about US$100, and most people have given up on cash even for private payments, and now use this app. It is ONLY an app, no web site, and they are exceptionally picky about requirements to run it. Cannot get it to run on SailfishOS under appsupport, even.
Not having this app is a major disadvantage.
It sucks.