My local library has 24/7 unattended access. I’ve gone and grabbed blurays in the middle of the night before.

Libraries are amazing.

In a lot of European countries there are local payment apps that work as alternatives. Some banks even have payment support in their own apps.

Check your local market for alternatives, though if your market is the US then there probably isn’t any.

No.

But third party payment apps might work. I’m using one for contactless payments and it works just fine.

Using contactless nfc payment on my grapheneos phone almost daily.

Just not Google Wallet.