This is good, and this is bad. It's yet another charging app I need to manage my payment info. I can't just arbitrarily choose a different payment method when I'm there. I'd greatly prefer just a basic card reader so I can choose a payment method. Sure, plug and charge if I didn't supply payment method ahead of time, but otherwise it's just another charging app I need to manage.
But apps with accounts and ToS and such should be banned outright IMO for any charger or at least any charger that receives any sort of public funding. Anyone with a compatible car should be able to charge, without an account, just like at a gas station.
https://en.wikipedia.org/wiki/ISO_15118
While what you say is true about a gas station, I think a lot of the standard privacy arguments dont really hold for a car.
Its literally illegal to drive a car without it being built to the standard the government likes, with an identifiable ID printed on the outside of it, with a valid license with your name and date of birth on, and current registration.
Let alone the fact that the vast majority of cars are sold with gps trackers bolted on if they are financed. Requiring a credit card tied to that vehicle is the least of your privacy worries.
The whole paying on a terminal/using an app thing is the wrong approach I think. Ultimately to charge there is a handshake protocol between two computers, just sort out payment then (and thats the standard NAC supports https://en.wikipedia.org/wiki/ISO_15118)
Adding a payment terminal is just adding another handshake and computer into the mix, a computer that needs to be (mostly) connected to the internet, exposed to the elements, and vulnerable to skimming devices.