> the merchant chooses how much personal info they want or need to collect, and Apple Pay doesn’t prevent them from asking you for that at checkout.

Does this happen when shopping in-person?

> of course that info would be there! In this example, my checkout page was for a physical item so I needed the customer’s shipping info.

They don't need my name and address if I'm buying eggs in a grocery store. Does Apple/Google require my consent to share that info when it's obviously not required? Is it similar to a terms & conditions, or shrink-wrapped EULA? (ie take it or leave it)

I've never used these payment systems.