> It's regularly unreliable here, because it's reliant on a bank app which in turn is reliant on an internet connection

Got it, that's a fair point!

> But as I said, even without that, the convenience level is ridiculously different. It's arguably quicker to open your wallet and use a debit card with an NFC chip than it is to use QR codes

This part sounds like those people who use a different unit system than I do and explain to me how my unit system is objectively more inconvenient than theirs. To which I answer: "I think I know better than you what is more convenient for me, given that I use it everyday" :-).

I use QR codes instead of opening my wallet, which kind of hints towards the former being more convenient than the latter for me. And for the millions of people who also do that.