I can see how for a local this system might be better, but as a tourist I strongly prefer the tap in/tap out system, especially if I can just use my credit card.

I used the SBB app a few times, and it's actually very good, but it's still an "app experience". First, I need to set it up (download, login, add payment method), for which I need an internet connection (which I might not have as soon as I enter the country). Then, every time I need to purchase a ticket I need to open the app and figure out how to do what I need to.

Tapping in and out is superior in my view, even though I might end up overpaying a bit (though I'm probably still paying much less than what I'd pay in Switzerland :D ).