Uhh, NFC devices really didn't work with google's service. This is not "cargo cult", this is pure and total google / android stupidity. Every time you claim it's just cargo cult you underestimate apple here.
Google had Google Wallet. Yes, it came out first, but then there was android pay. Then there was google pay send. Then there was Google Pay - which was a mishmash of chrome autofill and an actual app. Internationally its even more confusing, especially in india. Google pay picked up messaging (!!) explore for personalized ads (ugh). There was also peer to peer features.
Then they did a NEW google pay (2020?) that got rid of google accounts (!!!) and uses just your phone number, and you can't import folks you paid from previous app (!!!!). They have a combination of barcodes - 1d and 2d etc etc.
I'm not sure what the latest is. Android Pay taking over? Google Pay taking over? Going back to google wallet?
Keep on going on about the apple "cargo cult". I pay attention to this space a bit, and even I'm confused.