I was definitely hurting for a while for lack of this (and iMessage) on Windows. While I haven’t gotten over iMessage (and use a KVM with my iPad to resolve that), the additional friction for payments has actually been a boon for my bank account.
The more friction we feel with payments, the fewer payments we make. Cash is higher friction than cards. Manual card input is higher friction than password manager autocomplete. Autocomplete is higher friction than apple pay. I haven’t found anything lower friction than apple pay.
By switching back to password manager autocomplete (which is unreliable at best), I’ve found my spending has gone down, because the cost of friction in payment is higher than the value of the item.
(I clearly also have too much disposable income, but that’s a whole other tangent)