Initially I was casually (didn’t dig into the issue) fine with Apple allowing only a single access to payment via NFC due to the opportunity for fraud, which was Apple’s justification.

But I haven’t heard of it happening with the wild-west Android NFC payments, much less widespread problems with the essentially unconstrained use of QR code payments on SE Asia (e.g. Alipay).

So as an iPhone user I’m happy for Apple’s lockdown going away. I just hope it doesn’t mean that in future I’ll need to install a dozen payment apps and have to figure out which when I buy things.