I ask this because, as an Australian, I pay for essentially every single purchase on Apple Pay. Everyone I know uses mostly their phones to pay.
Everyone I know has been using contactless payments on their credit cards (or visa/mastercard debit cards) for the past 5 years.
No one enters their pins on transactions under $150. Depending on the payment method, that number can be a lot higher.
[1] https://transportnsw.info/tickets-opal/opal/contactless-paym...
They didn't know all the bells and whistles on their machine. It'd be about as surprising as if I whipped out a personal check and they found their machine had a reader for that.
It's not that there's heaps of different scenarios, it's that there's America and the rest of the world.
I'm American, my card doesn't do contactless, nor chip and pin. I also used old straight swipe cards while there for fun.
I used cards for most purchases except at the melbourne market and a few other places where cash was required.