> The iOS and App Store ecosystem work extremely well for me...

If Apple were forced to allow NFC access, third party stores and real side-loading, then nothing would change for you. You could continue to use their app store [0] and their payment app just like you are doing now.

Choice isn't bad for anyone.

> I'm just not interested in change here.

You didn't say why or what change specifically would have a negative effect on your usage.

[0] I prefer to use "app store" and not "App Store" since it's a generic term.