Between the face ID part, the awkward interaction for selecting the card, and the inconsistency for loading the wallet app, I disagree in my personal experience. Plus, how often do you have your phone in your hand when you’re checking out somewhere? Realistically, I’m either taking my phone out of one pocket or my wallet out of a different pocket, there’s not a huge difference in time or effort. And one of them I know will work quickly and seamlessly, the other one works most of the time with a few extra steps.